What is Full Coverage Dental Insurance?
Definition of Full Coverage Dental Insurance
Insurance comes in many types and structures. Today, you can insure almost anything you could possibly think of – house, car, body parts, life, income, health, children, prized possessions like artifacts and painting, and teeth. Insurance also come in different prices depending on how much you want to spend. There is the basic insurance plan which is the simplest form and carries a minimal monthly fee, and then the other side is the full coverage. In this case, full dental insurance coverage means the whole shebang – or as much coverage as possible.
With insurance, the payments are based on the number of premiums you avail of. With full dental coverage, this would mean that you not only have insurance for maintenance treatments, but also major dental surgeries or procedures.
For instance, cleaning and filling will fall under maintenance and prevention. If you only have these two premiums, your insurance monthly dues will be very minimal. You can increase this monthly amount, and not have to worry about forking out any more cash when you see the dentist for the cleaning or the filling. Thus, the more you pay on your monthly for full coverage dental insurance, the less cash you will be required to pay after the treatment.
The full coverage dental insurance can cover almost all dental procedures, including surgical. There will be a few dental procedures that have a cap on the amount you can claim insurance on. Nevertheless, a huge chunk of the cost could be covered, depending on your insurance plan.
Finding the full dental coverage insurance plan is easy if you use the internet. You can visit different websites of insurance companies and ask for quotations. They will email you their best offer, and you can compare each one against the others to get the best deal possible. You can also customize the pan so that those treatments that you do not foresee as possible at all, you can remove.
So what do you focus on when getting full coverage dental insurance?
If you are planning to get full dental insurance, then you must take the time to plan it properly. It would defeat the purpose of just getting any pre-packaged full coverage dental insurance without taking into consideration your personal needs. This would be like buying a pair of pants without trying them on. It might fit, but not perfectly.
Full coverage dental insurance is not peanuts to pay for, otherwise known as cheap insurance, so giving details the attention it deserves means you get to maximize your financial situation. Here’s what you need to focus on:
Kind of Insurance
There are several kinds of dental insurance you can get: the traditional insurance which means you pay monthly fees, even weekly, and get benefits that could cover 80 to 100% of your dental expenses. There is usually an waiting period before the plan is activated, so ask about how long this will be.
The next kind of insurance is the reimbursement plan. This is more or less something between you and your employer – like a job benefit. You will need to upfront the payment, then request for the company to reimburse you. Be warned though that normally the employer will only reimburse you for a portion of the cost, and not the full expense.
If you want to have dental insurance but your employer is unable to give it you, you can band together a small group in the office and apply for voluntary group insurance. Your employer should endorse, but not necessarily support it financially. The members of the group must pay the monthly fees. The advantage of a group plan is that the fees are generally lower than an individual plan. You will just need to make sure to no one defaults on his monthly payments.
Then there is the discount dental plans which is like a membership club with discounts. There will be an enrollment fee plus monthly service fees. At the dental clinic, you get straight discounts applied immediately after treatment.