Types of Dental Plans

To make dental care more affordable, it is wise to have some type of dental plan in place when choosing a dentist. Whether this is dental insurance or a savings plan, having a plan can make the difference between affordable work or no option. There are several types on the market and it can be hard to determine which one is the best for a person's situation. With that in mind, here is information on different plans to assist patients in making a decision.

Dental PPO

These types of dental plans are common because they are often available through employers. Individual patients can also obtain a dental PPO by paying a monthly premium. The benefit of a PPO is that they give patients more flexibility in choosing a provider for their dental care.

There are very few limitations on which dentist a person can use, so it is possible to switch periodically or search for one that is a good fit for personality and services.

Dental HMO

A dental HMO is also an insurance plan that requires paying a monthly premium, either through an employer or individually. With an HMO, specific dentists sign agreements with the plan. Thus, patients have to visit these specific dentists. Dental HMO may be more limited than a PPO, but the cost is generally less as well.

Prepaid

Some dental groups may offer prepaid plans where patients put money into an account on a monthly or annual basis and, in exchange, can receive discounts on services.

Fee for service

Those who do not have dental plans must look for a provider who accepts cash or offers a fee for service plans. Some dentists offer cash discounts for these patients, making services more affordable. It is important to ask if cash is accepted and whether. Patients can also ask whether or not a dentist offers credit if no insurance is in place.

Discount plans

Some patients buy a discount plan in addition to insurance, or in place of it. A discount plan works by establishing the cost of each service with a dentist ahead of time. These are discounted rates that are offered to members. The remaining cost must be paid in cash by the patient, but it can save a lot of money. When choosing a dentist, it is important to ask if they accept the type of discount plan that a patient has.

Dental savings plans

A dental savings plan allows for patients to put money into an account directly out of their paycheck. This is typically done pre-tax for an additional savings benefit. There may be restrictions on how much can be put into this account annually and when the funds must be used by.

Choosing a dentist

Once the right dental plans have been selected, it is important to choose a dentist who can work with it. Be sure to inquire when scheduling an appointment to ensure that there are no surprises at billing time.