It is a fact that most people don't know much about their dental insurance. They just know that their company has provided them dental cover and are happy to have the routine check-ups and cleanings that is covered under most insurance plans. Most people hate all the technical jargon that goes into any insurance policy and just ignore it as long as possible. Only when an dental emergency strikes do they start wondering if their particular condition is covered under dental insurance or if an extensive treatment is needed and many others simply depend on their dentists to tell them if the particular treatment is covered under their insurance.
Coming to the dentists. How are they selected and who selects them. Insurance companies evaluate dentists on many criteria. Some companies conduct exams that the dentists need to pass, others check their malpractice claims and so on. What is needed is a more comprehensive check where insurers need to find out how the more expensive treatments are carried out and the costs involved. This may be more effective in reducing costs for the insurance company in the long run.
You should also study your insurance policies so you know exactly what you are entitled to. At least get an agent or a friend who is well versed in these things to explain the complex jargon to you. Depending on the dentist alone is not going to help if you need information urgently. Check the website of insurance company to see if they carry the details. Else request the company to send you all the relevant information concerning your policy. Only when you are aware of what is in your policy can you take complete advantage of it when you need to get treatment for your dental problems.
Remember though not all dental problems will be covered. Nor can you expect to get 100 percent of your expenses. Insurance will cover a certain percentage of your cost and you have to bear a part of the expenses. Dental insurance and dental plans are designed for preventive dental care and to ensure that you and your families can enjoy good dental health and rest easy knowing that most of your biggest dental expenses will be covered to a large extent.
Dental insurance policies need to be flexible. Not every body has the same kind of problems. Nor does every body need the same amount of dental care. A healthy person may not need even the basic minimum that is provided under the plan whereas the one with major dental problems will need much more than that. To rigidly apply the rules and deny the person who may be in real need will defeat the purpose of owning a dental insurance policy.
C.Gowri author, webmaster and blogger.
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