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Reasons Why Florida Dental Health Insurance is Important

 

It is a well-known fact that the mouth is a window into one’s overall health. Dental hygiene and health are directly linked to health in other areas of the body, so it’s important to visit the dentist regularly to ensure that you are at peak oral fitness. There are some costs to going to the dentist, however, which is why good dental health coverage is important. Dental insurance is unique among insurance products in several ways: First, the generally low cost of dental insurance makes it highly affordable for many individuals and families. Secondly, many people who purchase dental insurance start to benefit immediately, because dental insurance encourages, and generally pays for, regular check-ups. Since Dental protection is never covered by original Medicare and rarely if ever covered on individual health insurance plans, there are a few reasons why it’s important that you purchase dental health insurance.

Pay for Expensive Dental Healthcare

Dental care can be as simple as a twice-yearly visit for a professional cleaning and x-rays or it could mean thousands of dollars in oral surgery bills, getting a full set of dentures, or needing a crown. Problems can arise at the drop of the hat - whether you take extra care to floss every day, or not - so the best way to prevent your wallet from suffering is to have preventative coverage for your dentist office visits. Because expenses can mount quickly, especially if dental work is required as a result of an emergency, it truly pays to be covered. Depending on the type of insurance, dental plans generally pay either all or a percentage of the charges related to dental care. 

Maintain Oral Health

The best way to prevent yourself from paying thousands of dollars in dental health bills (besides getting dental health coverage), is to stay up-to-date on your mouth’s overall health. Regular teeth cleanings and checkups will ensure that your health is being monitored by a professional. Most dental insurance plans, which usually cover regular check-ups, will pay off immensely for you in the long run. 

Peace of Mind and a Gorgeous Smile, to Boot

At the very least, dental health insurance is, well, insurance that your smile is protected. Should anything happen to your teeth at any given time, your insurance will have your back. The payoff of dental health insurance is huge and impossible to ignore. 

The truth is, even without a federal mandate, people have bought, and will continue to buy dental insurance for a variety of reasons. 

Preventing oral health problems before they start is one of the best ways to keep dental costs down. Many studies have shown that regular dental check-ups and cleanings help people keep their teeth and gums healthy. That’s why most insurance plans pay 100% for check-ups every 6 months.

Just how important is preventive care? It’s important enough that some dental insurance plans will even pay for a check-up immediately after new plan subscribers are approved for coverage. You may not know it, but there’s an awful lot a dentist can tell while gazing into your mouth. Studies have shown that our mouths can exhibit symptoms related to more than 120 different non-dental diseases, including diabetes and heart disease.

So even if there’s nothing wrong with your teeth and gums (and we certainly hope that’s the case!), visiting a dentist regularly can lead to early detection of serious diseases, which alone can make dental insurance well worth the investment.

The lifetime cost of maintaining a healthy mouth can mount to thousands of dollars, but for pennies a day, dental insurance will be there to provide important benefits when needed.

The best way to learn if you can keep your dentist and pay less is to ask both your dentist and the plan carrier or provider. And the question to ask is this: Is the dentist under contract as part of the specific dental insurance plan’s preferred provider network?

We need to pay close attention to many details when it comes to insurance products, and dental insurance is no different. So it’s no surprise that one of the most common issues we hear from people has to do with the difference between in and out of network dental costs and the desire to keep their dentist. And why not? Most people love their dentist. We want to do whatever it takes to remain with them if possible. So, for instance, folks will shop for dental insurance and, before buying a plan, call to ask if their dentist “accepts” the plan.

The truth is; dentists may accept any number of dental plans without being in those plans’ preferred provider groups. Being a preferred provider makes a dentist part of a plan’s official network of dentists. That’s where the term “in network” comes from. And being in network or in a plan’s preferred provider pool is the real key to helping you save money when needing any kind of dental work.

Dentists want to keep you and your teeth healthy. However, they tend to leave the money saving part to you and your insurance provider. After all, that’s why you have a dental plan – to help you with the money issues. Of course, dentists are running a business, as well, and contracting to be included in various carriers’ preferred provider pools is one of the ways they attract new patients and keep established ones happy.

Getting into the network requires your dentist to sign a contract with the plan provider and agree to charge the lower rates they have set for their dental plans. Your dentist cannot be a part of every provider’s network. Like you, they have to choose carefully which plans to sign contracts with based on many, sometimes conflicting, considerations.

When you ask the dentist or her receptionist if they “accept” a dental plan, they answer you in an honest and efficient way. They don’t waste time probing to see whether you really understand the question you’ve asked. But the truth is, you haven’t really asked whether using a certain plan will help you remain under their care and also save some money on dental work. That is not the question they hear. Until they’ve signed a contract to join the plan’s preferred provider network, they may in fact accept the plan but still have every right to charge higher rates than an in-network dentist would charge for the work they do. And when they do, you, not the plan, will have to pay the difference in cost.

Shop Your Dental Options Carefully

It’s a classic case of the heart vs. the head or emotions vs. logic. No one wants to pay more than needed for dental care. And no one wants to leave the dentist they’ve grown to know and trust just to save a few dollars. So remember, the question to ask is this: Is the dentist under contract as part of the specific preferred provider network? Be sure you ask your dentist and the plan’s carrier.

To learn more about the types of dental insurance available and find answers to your questions about dental insurance and oral care, speak to the agency connected to this website or start exploring your options online by clicking the links below. 

Florida Dental Insurance Brokers

  • Click here for Humana’s PPO or HMO plan (the HMO being the least costly). On the HMO plan, you have to choose a dentist from their list but can change later if you are unhappy with that doctor. There are no annual limits with HMO plans. 
  • For other Individual PPO and indemnity plans such as Delta dental, click here. Delta and Cigna are popular options. Most dentists accept these plans.  Waiting periods and annual limits will apply. 
  • Click here for Cigna’s PPO online application (Cigna is very popular and most dentists do take it).
  • Click here for Spirit Dental Plans (up to $3500 max benefit plans)
  • Click here for discount plans which are less expensive but cleanings are usually not covered, just discounted. There's no waiting periods, deductibles or annual limits. Discounts average between (30-40 %). The Solstice discount plan is the best value as it is the only discount plan that does cover the cleanings.

Call now at to speak with a Florida dental insurance broker who can help you pick out the Florida dental insurance plan best suited to your needs.

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