Dental insurance is intended to help offset the costs associated with dental care, but with all the options and rules, it can be very confusing. But your dentist Columbia Dr. Gregory Wych is here to answer your questions.
Various dental insurance plans are available for individuals and each has limitations. Some plans only reimburse patients when the least expensive treatment alternative is selected; other plans do not provide coverage for necessary treatments of pre-existing conditions.
The types of dental insurance plans available from your dentist Columbia include the following:
- Indemnity Plan: This plan allows you to select your own dentist. You’ll pay a flat fee for the dental visit, but you have an annual limit on coverage for dental spending, and specific coverage limits may apply to individual dental procedures.
- Self-Insurance Plan: These plans may be similar in nature to indemnity plans, but you might not be able to select your own dentist Columbia.
- Closed Panel Plan: This type of plan limits you to using a specific group of facilities and the number of dentists available to you.
- Capitation Plan: This plan designates specific dentists for intervals of treatment. These dentists have a contract indicating that they will be paid a fee regardless of whether dental treatment was required.
- Preferred Provider Organization (PPO): These plans are limited to a group of dentists Columbia who are available to provide dental care at a reduced cost.
- Direct Reimbursement Plan: These dental plans allow employers to directly reimburse employees for dental services they receive.
- Dental Care Service Plan: Dental care service plans use a group of dentists who form a non-profit organization to provide dental services at set fees.
If you have dental insurance, familiarize yourself with your plan so you know what is covered and how. For example, if you require a filling and would prefer a composite material, evaluate the benefits allocated in your plan for composite fillings. Many insurance companies will only reimburse composite filling costs at a rate equal to that of an amalgam filling. You would be required to pay the remaining balance as an out-of-pocket expense.
It’s important to ask the dentist Columbia’s finance manager about dental treatment costs prior to agreeing to and receiving treatment. Dental insurance plans differ in the level of reimbursement offered for certain procedures and in annual dental spending caps
If you have questions regarding your dental insurance, call the office of dentist Columbia Dr. Gregory Wych today and our caring staff will be happy to help you figure it out. And by the way - is it time for your next appointment?