SmallSmilesUSA – Full Coverage Dental Insurance: Is Such a Thing Real? – Is it possible to have a full coverage dental insurance, especially for seniors? Given the complexity of the matter and also the further need for the insurance plan, seniors don’t always get the best benefits when it comes to full coverage scheme. However, getting the full coverage isn’t something impossible. If you know how, and you don’t mind taking an extra time and steps, you should be able to gain the best benefits while paying attention to your own needs at the same time.
Understanding the Terms of Full Coverage Dental Care and Insurance
If you think that dental care is all about tooth extraction or cleaning, you may want to look further into your insurance policy and your dental hygiene – as well as condition. In senior citizens, the condition is probably more serious – due to their age and their condition with more treatments and care needed for their dental issue. That’s why understanding the concept of full coverage dental insurance is crucial so you know what you are dealing with.
You see, dental plans are many and various, and full coverage dental insurance means that your insurance is expected to cover different kinds of stages, levels, and issues. Whether you need a simple and basic teeth cleaning to the more complex and serious procedures such as dental crown, the insurance should be paying for everything. The problem with dental plan is that it is pretty costly – anything related to your health and well being is always costly. So when it comes to your dental care and treatment, you should be able to find one that is willing to cover all of your expenses. And you have to admit that such a provider is pretty rare – most insurance providers aren’t willing to offer the full coverage service.
Full Coverage Meaning
When we are talking about full coverage dental insurance, we are talking about three different categories of coverage: from minor care, preventive action, and major treatments. The full coverage term means that your insurance will pay (or reimburse) all of the procedures falling under those three categories. If root canal, veneer, or cleaning is included within those three care, the insurance will pay for all of your expenses. However, cosmetic procedures and braces may not be included within those three categories in most cases. If you are dealing with one of them, you should check with the company or provider because each of them has different policy and regulations about the matter – some may cover for it while some may not.
Some of the Viable Options
If you search around, most insurance companies won’t provide or offer full coverage dental insurance. Some of them may provide only half or ¾ of your expenses, leaving you with some remaining bills. Of course, you won’t have to pay for a full price but still…you will have to make your own out-of-pocket expenses. And let’s not forget that the overall cost for the dental service, care, or treatment is expensive so even when you have to pay for a small percentage of the spending, you will be left with several hundreds of dollars in your personal expense. For some people, the best option is to purchase the extra dental plan, which is often separate and different from your major plan. This scheme may be working well for seniors looking for the alternative options for their expenses.
There are some providers that may offer more perks and benefits – when compared to the others. Their coverage seems reasonable although they may not be perfect. For instance, there is a coverage where you can choose any dentist you like and any preventive care will be fully covered in 100%. Moreover, 50% to 80% of the complicated procedures, like root canals or fillings, will be covered by the insurance plan. However, the same insurance coverage may be quite costly, leaving you having to pay around $1000 to $1500 yearly fee. Not to mention that you have to deal with a long period of waiting time – which can go to 12 months for complicated procedures (talk about crowns and dentures). For some people, this plan is okay but for some, it is considered impractical. And do you know that it also carry a rather high deductible? Yes, it does, and it is something that you don’t want to deal with, especially if you are rather low on the funds. The plans and coverage seem like ideal and beneficial but it is obviously far from the term full coverage dental insurance.
So, what are your choices? Although these services may not be able to offer full coverage dental insurance, it doesn’t hurt to look into their plans and schemes.
- Medicare and Medicaid. This is the insurance sponsored by the government. Although this coverage is designed to help Americans with low income, as well as disabled people and seniors, it doesn’t completely offer 100% full coverage, especially in dental plan. The problem with this scheme is that most dentists don’t accept Medicaid. Moreover, patients with regular dental care (like root canals, crowns, fillings, dentures, cleanings, and routine visits) can’t be helped with the Medicare coverage.
- PPO (Preferred Provider Organization). It offers better flexibility and options but the premiums are higher.
- Dental HMO (Health Maintenance Organization). You will have to deal with prepayment matter, but you can get full dental service range – within the specific doctors’ network. In most cases, you can get a full coverage but if the procedure is more complicated (such as crowns and dentures), you will have to contribute to a portion of it. And if you see dentists outside the network, you will have to deal with the full bill.
Instead of the full coverage dental insurance, most people may go with discount dental plan were you can purchase the plan directly from the doctor with the discounted price. In most cases, this plan is considered more viable and logical – and it doesn’t deal with complicated procedures. You can say that the chances of getting a full coverage may be slim but there is always another option and alternative.