Dental Insurance Plan

 

Dental Insurance Plan

I'm one of the few  that genuinely LIKES paying for health insurance. However, I have discovered that I don't mind paying for dental insurance at all.

How Dental Insurance Works

There are several types of dental insurance, but the most popular usually has a deductible that you must meet before the plan will begin to pay for services up to a set amount each year. The dentist and insurance company have an agreed-upon rate for each service, which is often less than the whole cost of the service. Additionally, the plan (often) only covers a portion of the agreed-upon cost for the service you receive. For instance, a filling might cost $319 at the dentist, but the agreed-upon price with your insurance company might just be $200. You might have to pay the remaining 10%, or $20, if your insurance only covers 90% of fillings.

While it's crucial to grasp how dental insurance functions, it's maybe even more crucial to comprehend the benefits of having it. I serve as a living billboard for dental insurance.

What Can Happen When You Are Uninsured

I used to be able to stay on my parent's health insurance plan, which included dental treatment, until I turned 26 about three years ago. I was just teaching relatively part-time while attending graduate school at the same time. After doing some research, I discovered a major medical plan on the health insurance exchange, and I made the decision that it wouldn't be a big thing to wait to get dental coverage until I was done with graduate school (I needed every dollar I could spare!). One of my worst errors in adulthood was most likely this.

I chose to sign up for dental insurance when it was made available to me through a new work two and a half years later. I located a dentist, made an appointment, went to the appointment, and learned some very dire dental news. I have dozens of procedures that need to be completed, ranging from fillings to root canals to crowns, as a result of delaying getting dental insurance (and consequently delaying visiting the dentist).

You're probably saying to yourself, "But you have dental insurance to cover it," and in part, that is accurate. However, as I indicated, dental insurance only provides coverage up to a particular sum each year. This is $1500 for my idea, and with all the work I need done, that sum will be far exceeded—by thousands.

Words of Advice

My dentist strongly advises against delaying these operations till my insurance comes up again in the next year (believe me, I asked). "If you're going to wait for insurance package, you're going to be waiting for insurance package," he informs me. Although at first I thought his statements were harsh, I now wholeheartedly concur. I'll always be attempting to catch up if I wait till the insurance pays it; this will probably only lead to more issues in the interim.

I recognise that not everyone will have the same dental misfortune that I have, but I also had no idea that I would run into so many problems. I definitely would have swallowed it up and just purchased dental insurance along with my Obamacare plan in the marketplace if I had any idea of the issues. Having said that, it doesn't hurt to be ready because you truly just never know. learnt lesson.

So, please, please, take note of my errors. To avoid becoming like me and needing to have cavities filled virtually everywhere, get dental insurance, schedule regular exams, and treat a few cavities here and there.

Author: RabnawazToor