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Dental Benefits, Why is Dental Care So Costly.

Thursday, Apr. 7th 2016 9:04 AM

Question: I would like to know why is dental services so costly? It really does not seem right that general maintenance on you teeth should cost more then seeing your doctor for a check up.

If I go to the doctor for my once a year wellness check it cost me only $40.00 for my co-payment.  Yet when I go to see my dentist for my once a year check up and cleaning I have to pay $95.00 since I have a $50.00 deductible and the plan only covers 80% of my cost for preventive services.

This may not seem to much but since I should be seeing the dentist twice a year (and don’t due to cost) it is too costly for me to see the dentist like I should.

Answer: I am unable to address you medical insurance plan. However, with regards to your dental insurance plan it sounds like you may have a PPO plan so things like $50.00 deductible and 80% coverage for preventive care even yearly maximum limitations are common in PPO dental insurance plans. You may be able to find a PPO that over 100% on preventive care but sometimes they do not provide that high of a coverage until you have the plan for two to three years so make sure you read the plans terms and conditions carefully before making any changes.  Also note that if you do by a new PPO plan they will normally have waiting periods for both basic and major dental care needs.  Something to keep in mind if you do not currently have to deal with waiting periods.

Another dental insurance options that is lower cost and normally will not have these types of restrictions would be dental HMO plans.  Most HMO plans do not have waiting periods, maximum limitations, deductibles and they will normally provide preventive care for free to little cost.  However what you may be giving up is being able to stay with your current dentist. HMO’s dental insurance plans to make you choose a dental provider in their network there is no out side network benefits like with a PPO plan.  So unless your current dentist is a provider of a HMO dental insurance plan, that could be something you want to keep in mind.

Posted on Thursday, Apr. 7th 2016 9:04 AM | by admin | in Dental Benefit Providers | No Comments »

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