Dental Blog -- Dental Opinions and Reviews, Dental Insurance Plan Reviews - Dentist, Dental Office Consumer Opinions and Customer Complaints

Dental Opinions is a service to the dental insurance community providing dental reviews and opinions for dental insurance plans, dental plan procedures, dentist, and the various dental plans sold on the internet such as dental discount plans, reduced dental fee for service, PPO dental insurance plans, DHMO, and dental insurance indemnity products for individual and family dental plans.

Consumer website reviews of good, bad, and ugly dentistry. Advocates for dental fairness.

 

Dental Insurance, I need help understanding coverage terms.

Posted on Sunday, Apr. 18th 2010 8:40 PM by Dental Plan Review in Dental Help, Dental Insurance, Dental Plans 3 Comments »

I was able to get a job that offers health and dental insurance.  I never had dental insurance before so I do not understand a few of the terms or what they mean.  I have to pick between two plans and let them know which one I want by next month.

So here are my questions:  What is considered Preventive Treatment, Basic Treatment and Major Treatment? What type of procedures fall into those services?   Both plans are saying they only pay a percentage of preventive, basic, and Majors  so I kinda understand that.  However what is a deductible?  One plan said 50.00 and the other is 25.00 if that helps.

What do they mean by waiting periods.  Also what is a 1000 max?  I am really trying to figure out what all this means.  Sorry this is all just going over my head.

VN:F [1.9.22_1171]
Rating: 4.5/5 (2 votes cast)
VN:F [1.9.22_1171]
Rating: +1 (from 1 vote)
Dental Insurance, I need help understanding coverage terms. , 4.5 out of 5 based on 2 ratings
Posted on Sunday, Apr. 18th 2010 8:40 PM | by Dental Plan Review | in Dental Help, Dental Insurance, Dental Plans | 3 Comments »

3 Comments on “Dental Insurance, I need help understanding coverage terms.”

  1. Carol Says:

    For what is consider Preventive Treatment, Basic Treatment and Major Treatment Depends on the plan. Services can very in each depending on the insurance company. Normally they do lay that out in a chart.

    I made a copy of such a plan that is offer on http://www.dental4less.com call Dental Dental so that you can get an idea.

    Preventative Treatment

    Diagnostic: Routine periodic examinations once in a 6 month period.
    Preventative: Dental prophylaxis (teeth cleaning and scaling) once in a 6 month period (including application of topical fluoride for dependent children only).

    Basic Services

    Restorative: Amalgam, synthetic porcelain or plastic fillings Other: Space maintainers, recementation of crowns

    Major Services

    Endodontics: Pulpal therapy and root canals.
    Periodontics: Treatment of diseases of the gums.
    Prosthetics: Gold restorations, crowns, bridges, partial and complete dentures.
    Oral Surgery: Extractions and other oral surgery, including pre- and postoperative care
    Other: Pontics, repair of crowns and bridges, full and partial denture repair.

    So as you can see Preventive treatment is mostly X-rays and Cleaning. Where Basic would be mostly filing and Major in this case is pretty much everything else

    This is only an example. You need to read though both of your plan choices to see what they have in each section.

    VA:F [1.9.22_1171]
    Rating: 0.0/5 (0 votes cast)
    VA:F [1.9.22_1171]
    Rating: 0 (from 0 votes)
  2. Troy Hibert Says:

    When you are looking at plans that have a max limitation such as the one you are reviewing that says it has a 1000 max. That would be the dollar amount the insurance company is going to spend on your each year. So in your case it is a $1000.00 a year per person max. Maximum limitations can very I have seen them as low as 500 to as high as 2000.

    Waiting periods are just what they sound like. Time periods in which the insurance company makes you wait until you get the service under the waiting period. As an example a plan could say you have a six month waiting
    period for basic service. That would mean that you would need to be on the plan for six months before coverages are effective under the basic services.

    A deductible is the dollar amount that you have to meat before coverages are effective. So you stated one was 50 and the other was 25 depending on which one you pick that is the dollar amount you would need to pay each year before the insurance start in.

    VA:F [1.9.22_1171]
    Rating: 0.0/5 (0 votes cast)
    VA:F [1.9.22_1171]
    Rating: 0 (from 0 votes)
  3. John Mankiea Says:

    I really think the last two replies answered you coverage questions. However, I would like to give my words of advise.
    Make sure you read both plans though if there is something that you do not understand, call the person who handles your insurance.

    If your work does not have someone you can talk to about your plan choices then call the insurance company directly. Knowing and understanding the plan you pick is very important.

    VA:F [1.9.22_1171]
    Rating: 0.0/5 (0 votes cast)
    VA:F [1.9.22_1171]
    Rating: 0 (from 0 votes)

Please leave a dental comment or reply

You must be logged in to post a comment.

.......

Dental review keywords to help you find us again. DentalOpinions.com brings you content on these related dental items.

dental plan reviews, dental plans review, dental plan review, dental discount plan reviews dentist reviews, dentists reviews, dentist review, dentistry reviews, cosmetic dentist reviews, dentists review, dental reviews, dentist ratings reviews, cosmetic dentistry reviews, pediatric dentist reviews, a dentist reviews, dentist and reviews, dentist reviews in, dentist reviews in new, dentist reviews new, reviews for dentist, reviews of dentist in, reviews on dentist in, dentist net reviews, reviews of dentist, free dentist reviews, dentist reviews las, reviews on dentist, dentist and review, dentist net review, dentist review in, review a dentist, review for dentist, review of dentist, dentist review new, review of dentist in, dentistry review, dentist reviews long, review on dentist, reviews for dentist in, cosmetic dentist review, reviews of dentists, dentists reviews in, reviews on dentists, reviews for dentists, dental review, dentist patient reviews, dentist patient review, review of dentists, dentists review in, city dentist reviews, dental dentist review, best dentist reviews, city dentist review, patient reviews of dentists, family dentistry reviews, patient reviews of dentists in, reviews of dentists in, reviews on dentists in, cosmetic dentistry review, family dentistry review, dental hygiene reviews, review of dentists in, area dentist reviews, gentle dental reviews, dentist reviews orange, dentist reviews dr, dentist reviews nyc, dentist review dr, dentist review nyc, dds dentist reviews, new york city dentist reviews, dentist reviews los, reviews for dentists in, dds dentist review, gentle dental review, area dentist review, dental arts reviews, dentist reviews cincinnati, dentist reviews st, dentist review los, md dentist reviews, dentist reviews columbus, las vegas dentist reviews, dentist review st, tucson dentist reviews, dental arts review, dentist reviews milwaukee, dentist reviews arlington, pediatric dentist review, dentist reviews pasadena, pasadena dentist review, dentist reviews boston, dental associates reviews, dentist review boston, dental associates review, comfort dental reviews, dentist reviews orlando, comfort dental review, dental patient reviews

 
 
Copyright 2011 All rights reserved. DEL AMO Insurance Services, Inc.