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What Types of Dental Insurance are Available to You? Leland NC

There are now discount dental programs, which are not insurance at all, but a way of getting your dental services at a discount. Each dentist participating in a discount dental program has agreed to accept a discounted fixed fee schedule as payment in full. In some cases, you can save an average of 30 percent and up to 50 percent on everything from general dentistry and cleanings to root canals, crowns and orthodon'tia.

Coastal Hearing Solutions
(910) 799-4327
2316 S. 17th Suite 160
Wilmington, NC
 
Blue Cross Blue Shield NC, New Hanover Farm Bureau
(910) 297-7592
1303 Independence Blvd
Wilmington, NC
 
Davis Insurance Group
(910) 392-5173
2002 Eastwood Rd. Suite 302
Wilmington, NC
 
Affordable Health Insurance
(910) 617-3636
4608 Cedar Ave Suite 107
Wilmington, NC
 
Navistar Group - Individual & Family Health Insurance Specialists
(910) 262-5194
Serving Wilmington Carolina Beach and Surrounding Area
wilmington, NC
 
Pinnacle Benefits Group of NC Inc.
910-256-2222 x 100
PO Box 1424
Wrightsville Beach, NC
 
SJ Davis & Associates
(910) 392-5173
2002 Eastwood Rd
Wilmington, NC
 
LifeStyle Financial Resoures, LLC
(910) 620-5873
PO Box 7096
Wilmington, NC
 
Schnitzer-Slate Insurance Agency
(910) 392-7020
5725 Oleander Dr # G3
Wimlington, NC
 
Wilmington Insurance Quotes.com
(910) 228-8352
5611 Wood Duck Circle
Wilmington, NC
 

What Types of Dental Insurance are Available to You?

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Dental Insurance

Dental insurance is a specialized type of health insurance that deals solely with procedures and treatments performed by a Dentist or a Dental professional - not medical or doctor procedures generally. There can be some overlap if you need dental surgery, but usually with dental insurance you will be dealing with dentists.

Dental insurance, while similar to health insurance, has one unique feature. Most dental insurance plans will impose a 6 month to 18-month waiting period before coverage commences. This waiting period ensures that your new insurer is not paying for old problems. However, that's a disadvantage to you. As a result, it's best to get your dental insurance before you have a problem and preferably, while your teeth are still in their best shape. If you suddenly need a root canal before your waiting period is up, it will be money that will come out of your pocket.

Dental insurance is very similar to medical insurance. In most cases, you will be looking at one of two types of insurance: fee-for-service insurance or managed care insurance.

Fee-for-Service dental plans are typically freedom-of-choice arrangements under which a dentist is paid for each service rendered according to the fees established by the dentist. What does this mean? It means you pick your dentist and the payment to the dentist is based on the dentists fee schedule, rather than a set fee schedule. In many cases, this will involve Direct Reimbursement (DR) to the dentists office, so you are not paying on your way out. For employers who opt for this kind of plan for their employees, instead of paying monthly insurance premiums, you only pay a percentage of actual treatments received. Moreover, employers are removed from the potential responsibility of influencing treatment decisions due to plan selection or sponsorship.

Managed Care dental plans are cost containment systems that direct the utilization of health care by a) restricting the type, level and frequency of treatment; b) limiting the access to care; and c) controlling the level of reimbursement for services. In other words, you don't choose the type of treatment. You can't necessarily choose to see your dentist when you think you need to. You are also restricted in your choice of dentist.

You do have alternatives to insurance with dental care. There are now discount dental programs, which are not insurance at all, but a way of getting your dental services at a discount. Each denti...

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