Having dental insurance enables you and your family to get necessary dental procedures, so your teeth and gums are in good health. Good dental health is important so you can stay pain-free, and avoid expenses on emergency procedures. McGregor Benefits is an independent health insurance agency in Washington state, here to answer all your questions about dental insurance.
What’s Typically Covered
Essential dental work and maintenance is all that is covered under most dental plans. This includes
- Basic dental procedures – such as x-rays and fillings.
What Is Not Typically Covered
Cosmetic procedures such as teeth whitening and veneers are not covered in most plans.
Dental Is Its Own Insurance
Dental insurance isn’t usually a part of health insurance. Some health plans may include dental coverage, but most of the time you’ll need a separate plan for dental care.
How Does Dental Insurance Work?
In order to get it, you will need to contact an insurance agent. They will help you choose a plan based on coverage, cost, and providers. If your preferred dentist is part of the plan’s network, you’ll have to pay a lot less. Individual dental insurance costs around $50 per month, and you will have a deductible, and probably a copay and coinsurance as well.
Types of Dental Insurance
There are two main types of dental insurance plans:
- Dental Health Maintenance Organization (DHMO)
In a DHMO plan, you need to see a dentist who is in the plan’s network. You can’t visit out-of-network providers and still get coverage. These are generally the most affordable types of dental insurance.
- Preferred Provider Organization (DPPO or PPO)
With a PPO, you can visit a dentist who is part of the plan’s network to save money, but if you want to visit an out-of-network provider, you can do it and still get some coverage. These cost a little more than DHMOs, but the added flexibility is appreciated by most.
A third, and not typical, option is a Dental Indemnity Insurance Plan. These aren’t as popular, because they can have higher premiums, deductibles and copays. However, if you want full flexibility, they may be the right choice for you.
If you want dental insurance with no waiting period, you may find Dental Discount Plans suitable.
Dental Insurance vs. Dental Discount Plan
A dental discount plan is different from dental insurance. As the name implies, it’s simply a discount plan, so you get discounts on dental procedures and preventative care. You can get a discount plan from your dentist, and it’ll help you save some money – usually around 10%. These cost less than insurance premiums, which makes them an affordable alternative.
Best Dental Insurance in Washington
We have helped numerous clients with dental insurance, and we have found that most people prioritize cost, flexibility and value when choosing a plan.
The dental insurance agents at McGregor Benefits can help you find affordable individual dental insurance in Washington state. If you hire us, you need pay nothing extra beyond your insurance premiums – or in other words, the services we provide to you are completely free of cost.
Frequently Asked Questions
Can I buy individual dental insurance?
Yes. You can purchase individual dental insurance either as part of a health plan, or as a standalone plan. The brokers at McGregor Benefits can help you find affordable dental plans for your family. You can also get a quote now here.
Is there dental insurance that covers everything?
Preventive Care-cleanings, exams, x rays, can be covered in full on many plans. However, other dental procedures like fillings or crowns tend to have some cost sharing depending on the plan you choose.
Is it worth having dental insurance?
If you expect you will need extensive procedures in the near future, definitely. Get insurance sooner rather than later, so you aren’t hindered by the waiting period. Your annual checkups and cleaning will be covered in full, so you will receive preventative care while you wait.
How much is going to the dentist without insurance?
Without dental insurance, dental cleaning can cost $100-200, and a complete dental exam (including cleaning, x-rays and cancer screening) can cost as much as $350. A root canal is a lot more expensive, costing as much as $2,000 if you don’t have insurance.
Do all dental insurance plans have a waiting period?
No, but most will have a waiting period of 6-12 months. For major work, you may have to wait as long as two years. If you want individual dental insurance with no waiting period, consider a dental discount plan.
Is a dental plan better than dental insurance?
If your dental health is reasonably good and you have a preferred dentist you like to visit, then a dental discount plan can be enough for you. The biggest benefit they offer is cost savings, since plan fees are a lot lower than insurance premiums.
How much does good dental insurance cost?
Average costs for dental insurance are $15-50 monthly. A richer plan will be around $50 per month.
Is it cheaper to pay out of pocket for dental?
If you have good dental health and just need regular cleaning and annual checkups, paying out-of-pocket may be the cheaper option.
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