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dental insurance
For the most part, people everywhere take oral hygiene for granted. That is, until it's too late. It is recommended by the Surgeon General that you visit with the dentist at least one time every year for a check-up. This is suggested in order to help combat future dental problems, ranging from gingivitis and gum disease to tooth decay. Dental work is expensive enough, but if you lack some type of coverage, the costs can become astronomical. Unfortunately, many employers' benefit programs lack dental coverage, and for this reason it is important to have a full understanding of the industry, because it's something you really shouldn't be without, even if it means researching insurance companies and setting up a plan for yourself.

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What are some of the ways in which dental insurance differs from health insurance?

  • Whereas employers view health insurance as an essential part of their benefits program, (65% of companies provide health insurance coverage) they view dental insurance as an optional bonus coverage. (51% of companies provide dental insurance coverage)
  • Companies that do provide dental insurance generally require employees to cover ~ 40% of premium costs.
  • Oral health care is viewed as secondary when compared with standard health care.
  • According to Oral health 2000, the ratio of children without medical insurance to children without dental insurance is approximately 1 : 2.5.
  • Dentists have more power in terms of managed dental care programs than doctors do re managed healthcare programs.

Although dental insurance may be incorporated with some medical insurance plans, the two are generally like oil and water. Whereas medical care is usually utilized to help cure an ailment, sickness or disease, dental care is preventive, engineered to stop disease from occurring in the first place. This is why regular check-ups, are suggested by the Surgeon General. If an issue such as tooth decay goes unnoticed and unchecked, then it could lead to very painful, very costly future dental visits.

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Those researching dental insurance should check out our   MEDICAL INSURANCE   page

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