3 Types of Dental Insurance Plans

​A lot of people take their oral health for granted. It's unfortunate as it affects a person's general wellness. It could even reduce medical costs in the long run. It's why you should make sure you select the right kind of dental insurance for your family or staff. 

It pays to understand the different coverages you can get to make a sound decision. Here are the basic dental plans often offered: 

1. Dental Health Maintenance Organization (DHMO)
   Similar to managed care, a DHMO is a network of licensed dentists who can provide affordable and comprehensive care for individuals or groups. You'll only pay a low monthly premium and can go to any dentist under contract from your provider. Depending on the work done, you'll either get the service for free or may have to co-pay. 
   
   There are several benefits to getting DHMO, like no waiting periods, calendar year maximums, deductibles, or claim forms. It's also the cheapest plan among dental coverages. You can even get substantial discounts if your dentist refers you to a specialist. 
   
   
2. Indemnity Plans
   If you want to have more freedom with your choice of dentists, then an indemnity plan is a good option. Also known as a traditional coverage, the subscriber can visit any dentist. They'll pay the dentist's bill initially and have it reimbursed to their provider. One key benefit to this plan is it covers a big part of the consumer's bill and allows them to plan their treatment. They can even file a pre-claim before having any significant services conducted to know how much their insurance provider will cover. 
   
   
3. Preferred Provider Organization (PPO)
   PPOs are the most popular dental plans today. It's a kind of managed care wherein the customer can choose a dentist from a network of preferred dentists. Under this established system, dental care providers agree on a pre-arranged fee and will give their services are lower rates. A lot of consumers are more open to this plan since they'll know in advance the maximum cost of their treatment. However, you'll have to deal with the limited choice of oral care practitioners.

Don't take your smile and your oral care for granted. The right dental insurance plan will help keep you healthier and happier. 

At Simplified Insurance Solutions, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 340-7633 or Click Here to request a free quote.