What routine corrective
treatment is covered by the dental plan? What share of the costs will be
yours? While preventive care lessens the risk of serious dental disease,
additional treatment may be required to ensure optimal health. A broad
range of treatment can be defined as routine. Most plans cover 70 percent
to 80 percent of such treatment. Patients are responsible for the
remaining costs. Examples of routine care include:
-
Restorative care -
amalgam and composite resin fillings and stainless steel crowns on
primary teeth
-
Endodontics - treatment
of root canals and removal of tooth nerves
-
Oral Surgery - tooth
removal (not including bony impaction) and minor surgical procedures
such as tissue biopsy and drainage of minor oral infections.
-
Periodontics - treatment
of uncomplicated periodontal disease including scaling, root planning
and management of acute infections or lesions
-
Prosthodontics--repair
and/or relining or reseating of existing dentures and bridges.
What major dental care is
covered by the plan? What percentage of these costs will you be required
to pay? Since dental benefits encourage you to get preventive care, which
often eliminates the need for major dental work, most plans are not
generous when it comes to paying for major dental work, most plans cover
less than 50 percent of the cost of major treatment.
Most plans limit the
benefits--both in number of procedures and dollar amount--that are covered
in a given year. Be aware of these restrictions when choosing your plan
and as you and your dentist develop treatment best suited for you. Major
dental care includes:
-
Restorative care--gold
restorations and individual crowns
-
Oral Surgery--removal of
impacted teeth and complex oral surgery procedures.
-
Periodontics--treatment
of complicated periodontal disease requiring surgery involving bones,
underlying tissues or bone grafts.
-
Orthodontics--treatment
including retainers, braces and/or diagnostic materials.
-
Dental Implants--either
surgical placement or restoration
-
Prosthodontics--fixed
bridges, partial dentures and removable or fixed dentures.
Will the plan allow
referrals to specialists? Will my dentist and I be able to choose the
specialist? Some plans limit referrals to specialists. Your dentist may be
required to refer you to a limited selection of specialists who have
contracted with the plan's third party. You also may be required to get
permission from the plan administrator before being referred to a
specialist. If you choose a plan with these limitations, make sure
qualified specialists are available in your area. Look for a plan with a
broad selection of different types of specialists.
If you have children, you
may prefer a plan that allows a pediatric dentist to be your child's
primary care dentist. Since specialized treatment is generally more costly
than routine care, some plans discourage the use of specialists. While
many general practitioners are qualified to perform some specialized
services, complex procedures often require the skills of a dentist with
special training. Discuss the options with your dentist before deciding
who is best qualified to deliver treatment.
Can you see the dentist
when you need to, and schedule appointment times convenient for you?
Dentists participating in closed panel or capitation plans may have select
hours to see plan patients. They may schedule appointments for these
patients on given days, or at specified hours of the day, restricting your
access.
Some dentist's fees for
seeing you on weekends or during emergencies are high than those the plan
allows. You may be required to pay additional costs yourself. If you
select these types of plans, have a clear understanding of your dentist's
policies as well as the plan's dentist-to-patient ratio. It's the best way
to ensure your access to care is not unduly restricted and that you are
not surprised by higher fees the plan does not cover.
Insurance companies do
their best to ensure that their policyholders understand their plans and
benefits, but it is up to an individual to make sure that they are making
informed choices. The differences in the various plans you can choose from
are:
-
The type of third party
funding the plan.
-
Methods of selecting a
dentist.
-
Compensation of the
dentist's services to you.
-
The calculations of
benefits and payments.
Understanding these
differences will enable you to make an informed decision when selecting a
dental plan that is best for you or your family.