Supplemental Dental Insurance Plans What Are They

January 3, 2018 @ 9:11 am

Health insurance just that; they do not really need a hefty definition, do they? Now, while some health insurance plans may include dental insurance as a part of it, it is likely that not all your dental health needs would get covered by the health plan. To help you in your pocket expenses on dental health, here come the supplemental dental insurance plans.

Supplemental dental insurance plans should not be mistaken for a primary dental insurance plan. This insurance plan is meant to aid in the covering of costs which are associated with ones dental needs which are not covered by his existing health or dental insurance plan. Looking at it as a whole, primary dental insurance plans are purchased (normally by monthly premiums) to support the usual dental procedures costs. The supplemental dental insurance plans, on the other hand, are purchased to support the payment for the primary dental insurance plan.

One distinguishing characteristic of a supplemental dental insurance plan from a usual dental insurance plan is that the supplemental plans are not granted just because one works for a company. Individuals should seek, research, and apply for the supplemental insurance plans themselves to be able to avail of the benefits of the plans.
There are a few categories which fall under this type of dental insurance plan. The dental discount plans, discounted student dental plans, and the dental insurance preferred network provider.

The dental discount plans are designed to contain negotiations for the lowering of prices for the benefit of its members. What is interesting about this category is that it lowers dental costs; this enables the savings to be passed on its holders. Plan holders get to save money by availing of services and procedures which are provided by member dentists.

Discounted student dental plans are designed mostly for college students who have lost their dental and health coverage on their parents existing dental plans due to the fact that they have already reached the age of 18. In replacement for that, many universities and colleges provide dental benefits to students such as x-rays, cleanings, fluoride treatments, emergency dental treatment for pain relief, as well as tooth fillings. These services are paid by the supplementary insurance company in its entirety, or it might only be a co-payment.

Lastly, the dental insurance preferred network provider is a popular type of supplemental insurance plan because of its freedom being able to select which dentist to visit. One can also switch dentists whenever they like. Under this category, the supplemental insurance plan pays a flat rate for any dental service provided, and the rest of the price is either paid by you or would get covered by your primary dental insurance plan.

In summary, having a supplemental insurance plan to cater for your primary dental insurance plan would not only help you in paying less for you and your familys dental needs but can also make sure that you get the benefits which you paid for in your primary dental insurance plan.