Dental Insurance InformationBy Glenn Lamb
There are a variety of dental plans available. In my area they usually cost $20 to $40 per month for an individual. If you have a health insurance plan there is often an option to add dental coverage. In many cases a group plan may cost less than an individual policy. Some employers pay all or part of the plans cost. If you don’t have a health plan there are many good programs you can buy on your own. Plans often include a list of participating dentists. If you go one of the dentists on the list there is usually a discount on the covered service. Then the plan may pay a certain part of the remaining cost.
For many plans there is a maximum that the insurance will pay per year. This can limit your maximum possible benefit. For example if you pay $20 per month and the plan has a maximum benefit of $1,000, the maximum true benefit would be $1,000 less the payments of $240. However you would also get the discount amount and possibly some free services.
Many plans will include 2 checkups and cleanings per year. Some will also include 2 sets of x-rays per year. In my area a cleaning, checkup, and x-rays is around $200. Doing this twice a year could easily more than pay for the insurance cost.
If you would take advantage of the benefit for cleanings and checkups you would probably benefit from a dentals plans benefit. I believe that regular dental visits and maintenance is the key to reducing dental problems. Dental insurance can also be a big help if you have a larger problem. For example I had a lapse in my dental coverage and broke a tooth. My crown cost about $950. My previous crown when I had dental coverage was about half that much. (Costs vary by area and plans).
If you live in Texas you can find additional information and plan rates at www.Health-Insurance-For-Texas.com.
Lamb Insurance Agency, Auto, Home, Life, and Business Insurance for Texas - http://www.farmersagent.com/glamb or http://houston-homeowners-insurance.com
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