Navigating the world of “dental payment plans and policies” can be very tricky. We all understand that taking care of our teeth can sometimes be a rather expensive business and there are those times when unexpected bills arise. But dental insurance is a flexible and convenient way to help you handle these costs.
Dental insurance is designed to help you cover not only routine treatments that you need a regular basis but any unplanned treatments that might arise. You can also use this to cover accidents or emergency treatments whether you are at home or overseas. There are many insurance options each providing their own unique dental plans.
Generally speaking, your insurance will cover the following:
- Routine and unplanned dental care
- Accidents and general maintenance
- Multiple visits every year
Most will also cover things like oral cancer, monthly and annual payments for your Vero Beach Dentist, and they could be offered by your employer. Benefits of employer-based dental plans include the following:
- You can visit your dentist more often
- You are encouraged to take better care of your teeth
- You do not have to worry about unexpected dental bills
- You have increased loyalty to your employer
- You feel more positively by your employer
- You are more motivated to work.
There are two types of plans:
- Maintenance plans
Maintenance plans provide preventative care. They cover regular maintenance for your teeth as well as emergency services. Typically these give you two examinations per year and to oral hygiene visits with x-rays every year. Because you pay your dentist directly on a monthly basis the costs will differ between individual practices due to a lack of standardization.
- Capitation plans
Capitation plans are the ones that offer unlimited treatment. This means unlimited examinations, trips to your dental hygienist, x-rays, crowns, root canals, fillings, and extractions. Obviously, these are decidedly more expensive but compared to the unexpected emergency costs of any one of those individual services it is much more affordable long-term.
Statistically speaking almost half of the adult population has not gone to a dentist in two years. One-third of employees say that if their dental insurance were offered by their employer and would make them feel more positively about their employer. It is the older adults between the ages of 55 and 64 who have the most coverage and younger people who are consuming higher levels of sugar ranging between the ages of 16 and 24 have the least coverage.
Women tend to have covered more often than men, but it is still not adequate. And in spite of the regular benefits afforded by dental insurance plans, there is still over $2 billion loss every year from people who take time off work because of dental problems. This could be avoided by seeing her dentist regularly and rectifying any smaller issues before they compound.
If you have questions about different policies for making payments, or which treatments are the most recommended, you can obviously speak to a dentist today.
Now, in addition to having dental insurance and seeing your dentist regularly, make sure you are using the right brushing techniques with the right brush.
Size Does Matter
Dental advisors cannot overemphasize how important it is to find the right sized toothbrush for your mouth. Not only do you have to concern yourself with the size of the bristles but you have to concern yourself with the filaments being soft or medium. Cheaper toothbrushes could contain filaments that are such poor quality that they simply won’t be effective.
Big brand names do seem expensive by comparison especially when you consider that you should be replacing your toothbrush every three months. But five dollars every three months is well worth the long-term health savings that you will get from alleviating things like tooth loss or subsequent health issues.
By the best toothbrush, you can afford and make sure to change it on a regular basis. If you absolutely cannot afford to change it on a regular basis or by a better toothbrush, remember that your Vero Beach Dentist should give you a toothbrush twice a year when going in for your regular checkups. If nothing else this is motivation to book your next appointment.