Dental Plus Insurance: A Comprehensive Guide

Oral health is an integral part of overall health, and inadequate dental care can lead to a variety of health problems. However, dental treatment can cost a fortune, making dental insurance a necessity for many people. Dental Plus is a popular dental insurance plan, providing comprehensive coverage for dental treatments. In this article, we will look at what is Dental Plus insurance, how it works, and its benefits. We will also answer some frequently asked questions.

What is Dental Plus Insurance?

Dental Plus insurance, also known as Dental PPO (Preferred Provider Organization), is a type of dental insurance that provides coverage for a wide range of dental treatments. This insurance plan is available for individuals and families and provides coverage for both preventive and restorative dental procedures.

Dental Plus insurance works by partnering with a network of dental providers, providing policyholders with a list of dentists to choose from. Policyholders can choose their preferred dental provider from the list, and the insurer pays a portion of the dental fees charged by the dentist. Dental Plus insurance has a copayment feature, meaning that the policyholder will be required to pay a certain amount of the dental fees.

A Dental Plus insurance policy can cover services such as routine cleanings, x-rays, fillings, root canals, crowns, and bridges, among others. Dental Plus also provides coverage for orthodontic treatment, which is not covered by most dental insurance plans.

One of the significant benefits of Dental Plus insurance is that policyholders can choose to visit an out-of-network dental provider, though the copayment may be higher if they do so.

How Does Dental Plus Insurance Work?

When you sign up for Dental Plus insurance, you will be given a list of dental providers that are part of the network. You can choose your preferred dental provider from the list, and the insurer will pay a portion of the total dental fees charged by the provider. You will be required to pay a copayment at the time of service. The amount of the copayment will vary, depending on the type of dental treatment you receive.

If you choose to visit an out-of-network dental provider, you will still be covered, but the copayment may be higher. Moreover, you may have to pay the difference between the cost of the dental treatment and the amount covered by your Dental Plus policy.

What Are The Benefits of Dental Plus Insurance?

Dental Plus insurance offers several benefits, including:

FAQ About Dental Plus Insurance

1. How much does Dental Plus insurance cost?

The cost of Dental Plus insurance varies, depending on the level of coverage you require. However, you can expect to pay between $20 to $50 per month for an individual plan.

2. Can I visit out-of-network dental providers?

Yes, you can visit out-of-network dental providers, but the copayment may be higher if you do so.

3. Does Dental Plus insurance cover orthodontic treatment?

Yes, Dental Plus insurance covers orthodontic treatment, which is not covered by most dental insurance plans.

4. How long does it take for my Dental Plus insurance to become effective?

The effective date of your Dental Plus insurance depends on the policy you choose. Some policies may become effective immediately, while others may have a waiting period of up to six months.

5. Are there any annual or lifetime limits on Dental Plus insurance?

Yes, most Dental Plus insurance policies have annual and lifetime limits on coverage. However, the limits may vary, depending on the policy you choose.

Conclusion

Dental Plus insurance is a comprehensive dental insurance plan that provides coverage for a range of preventive and restorative dental procedures, including orthodontic treatment. It has a vast network of dental providers, giving policyholders a wide range of choices. Moreover, it offers lower out-of-pocket costs through its copayment feature. While there are some limitations to the coverage amount, Dental Plus insurance is a good option for those who want comprehensive dental coverage.