If you're one of the millions of Americans with no dental insurance, is a dental policy for your teeth worth the cost? The answer really depends on what dental work you need, what kind of dental plan you have, whether or not your company is paying the premiums, and the kind of dentist office you frequent.
“Most dental insurance policies emphasize prevention and diagnostics, typically covering two annual exams and cleanings, plus X-rays and, for children and older adults, fluoride treatments”, says Evelyn Ireland, executive director of the National Association of Dental Plans (NADP). Fewer than 6 out of every 10 Americans had dental benefits in 2010, according to a report released in late 2011. Dental policies vary widely, and choosing the right one can be tougher than remembering to brush twice a day.
What's covered, what's not
People with dental insurance commonly have what's described as "100-80-50" coverage, meaning it pays up to 100 percent of the national-average for routine preventive and diagnostic dental care, such as checkups and dental cleanings; covers 80% of the national-average for fillings, root canals and other basic dental procedures; and 50% of the national-average for crowns, bridges and major procedures, Ireland says.
The vast majority of coverage is provided through employee and group policies, plans that charged annual premiums of between $234 and $432 per person in 2011, according to NADP estimates.
According to Dr. Ryne Johnson, a prosthodontist and director at Newton Wellesley Dental Partners, “there is a broad range of fee profiles though out the country. One can easily imagine that the same work in a rural community in the Midwest has a much lower fee than a cosmopolitan practice in the Northeast. For many of the dentists in the Boston Area, dental insurance falls short of meeting the needs of their insured clients.” He goes on to state, “many of my patients have elected to drop their coverage and pay out of pocket for their treatment. Most insurance companies have not increased their yearly-maximums in the last 25 years while the cost of many dental procedures has quadrupled.” Cosmetic dentistry is rarely if ever covered by insurance, according to Ireland and McLean.
Dental insurance premiums can be more expensive than simply paying out of your own pocket for routine checkups and cleanings. The cost for you to buy an individual policy averages about $360 a year, McLean says. Meanwhile, paying out of your own pocket for two exams and cleanings and a set of X-rays in 2011 would have cost about $370, on average, according to the American Dental Association.
For care that goes beyond the routine dental care, most plans cap coverage at $1,500 a year, although higher annual limits can be arranged by paying a higher premium. Unlike health insurance, dental plans don't bar coverage for pre-existing conditions, though some policies may restrict coverage for people with missing teeth.
For additional information, visit NewtonWellesleyDentalPartners.org
Original article Bankrate.com

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