What you should know about dental insurance and ways you can save on care:
Dental insurance differs from medical benefits: Dental insurance has great preventative treatment benefits. Almost all dental plans cover preventative services like cleanings, x-rays, and check-ups.
Many plans cover 80% of filling and periodontal cleanings costs. Most individuals get just 50% reimbursement for procedures such as implants and crowns.
Braces are usually not covered. Dental plans bought through the marketplace will not always cover orthodontics. Work-based policies offer a $1,500 lifetime maximum payout toward the cost of braces.
The ACA requires plans to provide dental insurance for children up to 19 years old.
Consider an HMO: If you think you will need a lot of dental care, think about a dental HMO. These plans limit you to seeing only dentists participating with the insurer’s network.
Discount plans: Having a discount plan can help reduce your cost of dental care between 10% and 60% off.
But these are not insurance plans; they aren’t regulated by your state’s department of insurance.
To receive the reduced negotiated rate you must have your care provided by a dentist participating in the network.
You can find discount dental plans on the National Assn. of Dental Plans website.
Shop around: Ask about the cost of your care by requesting an estimate and then compare prices.
Dental schools: School of dentistry has students learning to be dentists, and they provide excellent treatment at a reduced cost.
Oral health is an important part of overall wellness. Unfortunately, too many people neglect their oral health due to the high costs of dental plan coverage. A low-cost dental insurance plan can ensure that you and your family maintain optimum oral health at a surprisingly manageable monthly premium. Your personalized family dental coverage plan will be designed specifically to your needs by our dental insurance brokers.
At Cosmo Insurance Agency, we search for the best affordable dental insurance plans in New Jersey to suit your individual or group’s specific dental needs. We’ll take the time to ensure that you are covered at the dental providers of your choice.
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