Dental Insurance Helpful Information
Dental Plan Coverage – Effective or Start Date
When shopping for individual, family or group dental insurance quotes, always review the dental plan coverage description thoroughly for any variations in coverage levels. Coverage is not in effect until an application is signed, transmitted, payment received and approved by the underwriting company unless otherwise specifically stated. Finding the right value in dental insurance or dental plans is an important step in purchasing dental coverage for you and your family.
Typical Benefits and Features – Dental Plan Coverage
Some typical features of these plans: High deductibles before coverage begins (well-designed plans don’t apply the deductible to preventive services) Probationary periods on certain procedures that last up to a year Annual dollar limit on benefits Chose your own dentist Your average monthly cost: $15 and up Companies selling these plans are regulated by state insurance departments.
Dental Plan Coverage – Legal Stuff You Should Know
The law mandates that consumers with dental plan coverage receive a fully detailed patient information handbook — a Description of Benefits — that clearly outlines coverage, limitations and exclusions. Most individual dental insurance plans have annual maximum benefit levels which may be directly related to the monthly premium that you pay for coverage.
Statistics have shown that patients with dental coverage will seek out required care on a far more regular basis than those without coverage. While dental benefit coverage should be taken into account, it should not be the deciding factor in your choice of treatment. You should know how your plan is designed, since this can affect significantly the plan’s coverage and your out-of-pocket expense. The year of the parent’s birth is not relevant in determining which coverage is primary.
Dental plan coverage may be continued during a leave of absence without pay due to disability. Dental plan coverage for individuals is not commonly offered because dental needs are highly predictable. Before comparing rates, check out the important features of a few plans for a thorough understanding of dental plan coverage.