Supplemental Dental Insurance
Protection Where You Need It
Supplemental dental insurance means that you get dental insurance directly from a dental insurance provider, instead of coursing the insurance coverage through an employer or group plan.
Most employers offer dental insurance as part of the employee benefits they provide for their employees, and some organizations also offer dental plans as part of group membership benefits.
Student dental plans are also considered as supplemental dental insurance plans. These plans work like discount dental plans, except that they are targeted specifically towards students.
Supplemental dental insurance is a term used to refer to dental insurance you acquire for yourself. This means that you transact directly with the dental insurance provider.
A Few Important Things to Know
A few things to know about supplemental dental insurance are:
- Supplemental Dental Plan as Backup
- Personalized Dental Coverage
- Types of Supplemental Dental Plans
1. Supplemental Dental Plan as Backup
In most cases, employee or group dental plans do not provide enough coverage. In fact, most of these plans offer very limited coverage, and the coverage is also not chosen according to your individual needs. This cannot be avoided, of course, but that does not mean you just have to make do with what you have.
To make sure you are protected from any unexpectedly high costs of dental treatments, you should make sure you are well-covered. You can then avail of a supplemental dental insurance plan that will support your existing employee or group plan. A supplemental plan will make sure you are covered in the areas where you need coverage.
2. Personalized Dental Coverage
Obtaining supplemental dental insurance also provides you with the benefit of a personalized dental coverage.
This is because when you get a supplemental plan, you can customize it to match your needs. You have more control over the type of plan you avail of, and will not be restricted to what is offered by a group plan. This means that you get the dental health care that you need and at a reasonable price.
3. Types of Supplemental Dental Plans
There are many types of dental plans that are considered to be supplemental. First, discount dental plans can fall under the category of supplemental plans. Discount dental plans allow you to obtain individual coverage for yourself. They provide you with a network of dentists who have agreed to give you discounted rates on your dental procedures. These plans are also very affordable, so they are great options for individuals.
The PPO or Preferred Provider Organization dental plan is another type of supplemental dental coverage. These are managed care dental plans where you get a list of dentists to choose from. All these dentists offer you with discounts as long as you pay the net amount due in full. The discounts deducted from the total amount of your treatments are then paid for by the PPO plan provider.
Who Needs It
The need for supplemental dental plans arose when companies started changing their policies. In the past, employers provided full dental benefits to their employers.
But as the workplace evolved, employee dental benefits started decreasing, and now, employers usually provide basic coverage only. This is beneficial enough, but this also means people are not sufficiently protected from the high costs of dental treatments in case they are faced with dental emergencies.
This means that they have to pay for their own treatments, which can be a great burden, especially since the world of dental treatments is also continuously evolving, and the costs of dental care are increasing significantly.
Supplemental dental plans, however, can help cover the parts where you are unprotected.
Aside from that, more and more people are choosing to work part-time or freelance, which also means that they are not entitled to group dental plans. One affordable option for them to obtain dental coverage is to avail of supplemental plans.
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