Smile Bright with Dental Insurance Plans & Coverage

Know the Difference Between Private and Public Health Insurance

There are two main types of dental insurance plans available today: private and public. Both provide different benefits and coverages. A private plan covers only those who pay premiums directly to an insurer. However, it does not cover certain procedures such as cosmetic dentistry. On the other hand, a public plan are offered by state governments and are often administered by local government agencies. In addition, some states offer Medicaid dental programs. These programs are funded jointly by federal and state governments.

Choose the Right Plan for You

There are several different types of dental insurance plans available today. Each type has its own benefits and drawbacks. To choose the right plan for you, consider your current financial situation, your family’s needs, and your personal preferences.

Check Out the Benefits of Each Type of Plan

Here are some things to keep in mind when choosing between these various options:

• A PPO (Preferred Provider Organization) plan allows you to see any dentist you wish, regardless of whether he or she is part of your plan's network. However, you will pay more than with an HMO (Health Maintenance Organization) plan because you'll likely need to pay a higher deductible before your coverage kicks in.
• An HMO plan requires you to use only doctors and dentists who are part of your plan's provider network. This means that you won't be able to go outside of your plan's network for care unless you pay a hefty co-pay.
• A POS (Point of Service) plan combines the advantages of both an HMO and a PPO plan. It gives you access to providers within your network, as well as those outside of it.