subject: Options for Individual Dental Insurance Plan [print this page] Options for Individual Dental Insurance Plan
Individual dental insurance plan provides for the expenses incurred for the dental treatment. While there are no fixed standards on what is included and what is not, different insurance service providers have come out with their own plans suiting the individual interest. The plans can be customized to some extent so that the individual requirements are met.
There are various dental insurance plans available under individual category and all these pay a certain percentage of all the money spent on the dental procedures. The plans cover a group of dentists in a particular area from whom the individual policy holder can claim the discounts as approved in the plan.
All dental insurance plan falls under one of the two categories, namely, Preferred Provider Organization (PPO) or Dental Health Maintenance Organization (DHMO). In each of these cases, a network of dentists and health service providers offer some of the services free and some at a discount for their members. The purpose of these plans is to form a society of individual members who are supportive to each other.
Individual dental insurance plan normally covers the regular treatment of removing the plaque, tartar and general cleaning. In some cases it also covers the extraction of teeth including the surgery. The pre surgery procedures like dental x-rays are also covered by the insurance. Filling and covering the cavities are also part of the Individual dental insurance plan. Apart from this the insurance plan covers emergency situation resulting from accidents and injuries. Cosmetic surgeries are normally not covered by the insurance plan.
Since there are various options offered by the multitude of agencies one has to look at the pros and cons of the individual plans to decide on the right Individual dental insurance plan. One should study the detailed terms and conditions especially the exclusions to get the maximum benefit out of the plan and to understand the facilities offered and the hidden costs.
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