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  • Published Date

    June 30, 2021
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DENTAL INSURANCE-PART II Dental plans are similar to health insurance plans in some respects, but different in other ways. You'll generally have the following options: Preferred Provider Organization (PPO): As with a health insurance PPO, these plans come with a list of dentists that accept the plan. You have the option of going out of network, but your out-of-pocket costs will be higher. Dental Health Maintenance Organization (DHMO): Like a health insurance HMO, these plans provide a network of dentists that accept the plan for a set co-pay, or no fee at all. However, you may not be able to see an out-of- network dentist. Discount or referral dental plan: This is a plan in which you get a discount on dental services from a select group of dentists. Unlike health insurance, the discount or referral plan doesn't pay anything for your care. Rather, the dentists who participate agree to give you a discount for the care you receive. What They Cover Generally, dental policies cover some portion of the cost of preventive care, fillings, crowns, root canals, and oral surgery, such as tooth extractions. They might also cover orthodontics, periodontics (the structures that support and surround the tooth) and prosthodontics, such as dentures and bridges. You're usually covered for two preventive visits per year. If you get an individual policy, periodontics and prosthodontics may not be available in the first year of coverage. And coverage for orthodontics often requires a rider, in which case you pay an additional fee, for any kind of policy. Presented as a service to the community by Dr. Barbara Webster 1121 Warren Ave., Suite 130, Downers Grove, IL 60515 630-663-0554 919E68I1D-WS DENTAL INSURANCE-PART II Dental plans are similar to health insurance plans in some respects, but different in other ways. You'll generally have the following options: Preferred Provider Organization (PPO): As with a health insurance PPO, these plans come with a list of dentists that accept the plan. You have the option of going out of network, but your out-of-pocket costs will be higher. Dental Health Maintenance Organization (DHMO): Like a health insurance HMO, these plans provide a network of dentists that accept the plan for a set co-pay, or no fee at all. However, you may not be able to see an out-of- network dentist. Discount or referral dental plan: This is a plan in which you get a discount on dental services from a select group of dentists. Unlike health insurance, the discount or referral plan doesn't pay anything for your care. Rather, the dentists who participate agree to give you a discount for the care you receive. What They Cover Generally, dental policies cover some portion of the cost of preventive care, fillings, crowns, root canals, and oral surgery, such as tooth extractions. They might also cover orthodontics, periodontics (the structures that support and surround the tooth) and prosthodontics, such as dentures and bridges. You're usually covered for two preventive visits per year. If you get an individual policy, periodontics and prosthodontics may not be available in the first year of coverage. And coverage for orthodontics often requires a rider, in which case you pay an additional fee, for any kind of policy. Presented as a service to the community by Dr. Barbara Webster 1121 Warren Ave., Suite 130, Downers Grove, IL 60515 630-663-0554 919E68I1D-WS