Choosing an Individual Dental Plan
Oral health and individual dental plan needs vary according to age. When choosing a dental plan there are a few things to consider:
- How many dentists are in the network? Dentists who participate in networks accept lower fees.
- Does the plan encourage preventative care? Preventative care reduces long-term dental costs and impacts overall healthcare costs.
- How quickly are calls answered, claims paid, and problems resolved? You want to have confidence in the quality of service your plan provides.
- Does the plan offer enhanced benefits for people with medical conditions? Many carriers offer enhanced benefits for little or no additional cost to people with health conditions such as diabetes, cardiac disease, and pregnancy.
The Cost Of Individual Dental Insurance
Individual dental insurance premiums can vary depending on the type of plan you choose
– HMO (must choose a dentist that is in the network)
– PPO (you can go in and out of network but may pay more for an out-of-network dentist)
– Indemnity (you choose your dentist, pay upfront, submit a claim, and wait for reimbursement)
– HMO (must choose a dentist that is in the network)
– PPO (you can go in and out of network but may pay more for an out-of-network dentist)
– Indemnity (you choose your dentist, pay upfront, submit a claim, and wait for reimbursement)
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.