Dental Insurance Plans

Dental Health Vital To Our Well Being

Teeth is of vital importance to our oral health, regular visit to the dentist is the best way to avoid elaborate, expensive dental problems with most of the dental diseases being prevent table, preventive care is a must. Dental health care spending has reduced from 6.3 % in 1970 to 4.9 % in 1991; this shows the amount of interest shown by the people in maintaining oral hygiene.

In America 12 million people were under insurance coverage in 1970 whereas now there are 113 million people. Incidence of dental decay has decreased owing to the importance given to preventive measures.

Two common type of Dental Insurance is PPO, HMO. PPO stands for preferred provider organizations and HMO stands for Health Maintenance Organization. In PPO the companies decide on a fee structure for the dentist in order to put them on "Preferred providers list. Most of PPO plans pays 80 -100% for preventative care, 80% for basic care like filling extraction, etc and 50% for major care like full and partial dentures, caps and prudential care.

In dental insurance, monthly premium has to be paid and this is not cumulative. If not used within a year it expires. The coverage of the insurance policy depends upon the monthly premium.

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