Dental insurance is very different from medical insurance in the following ways:
1)Most policies have a limited benefit amount per year per person.
2)Some policies have a limited benefit per family per year.
3)The yearly maximum amount is generally between $1000 to $2500 per year. This could be per person or per family.
4)Most major procedures like crowns, bridges, dentures and orthodontia are subject to approval by an insurance review board.
5)Dental insurance premiums are very costly and in some cases it costs more to have dental insurance than it's worth. That's why alot of businesses do not offer dental insurance to their employees. It is extremely costly to purchase it on your own. If you have a $1000 per year benefit and your premium is $800 for that policy, if you utilize the entire $1000 you are only getting $200 worth of insurance. If you only use $200 of your yearly benefit, then it cost you $600 to receive that $200.
HMO policies mandate that the insured must seek dental treatment from participating dentists within their plan to receive any benefits. If you have an HMO and you go out of network, you will not be covered by your insurance. Much like a medical HMO plan.
PPO dental plans allow you to seek dental treatment at any dental office but the benefit amount per procedure may be less than at a participating dental office. Either way, you still only have a set yearly amount that your insurance will pay on your overall dental treatment.
There are other dental plans that can be purchased through some bank credit cards or other organizations, but they are designed to work like an HMO plan in that you are restricted to seeking treatment at participating dental offices only.
I know this is confusing, if you have any questions feel free to ask and we'll see if we can help you!
Originally Posted by JRC000
Can anyone suggest a good dental insurance company?