Dental Insurance is a form of Insurance which is planned to cover the costs related to Dental Care. Dental Insurance makes a partial payment of the expenditures incurred with dentists, hospitals, and Dental Service Providers.
By performing this, Dental Insurance offers protection to people from adverse financial conditions, which may occur as a result of unforeseen dental expenditures.
According to the American Dental Association, the number of people who do not have any Dental Insurance Plan Coverage exceeds 50% of the population of the United States. People who have Dental Insurance Coverage receive it from their employer and it is included in their Health Insurance Plans.
Usually, the Dental Insurance Plans are categorized into two types:
Preferred Provider Organization (PPO): In this plan, the dentists negotiate the fees with the supervising company and then they offer the services through this plan, but all fees do not come under this coverage. Deductibles are there for consideration. A majority of this kind of Dental Insurance Plan covers only a portion of the costs, so the patient is left with a co-payment or co-pay.
Dental Health Maintenance Organization (DHMO): This plan is established on the medical Health Maintenance Organization (HMO) pattern. The name of the patient is entered in a plan and he can see any dentist affiliated to that plan. Nevertheless, the dentists might land up offering services at a “below cost” rate and may be spending less time with every patient compared to a PPO.