Dental Insurances

Dental insurances work just like any other health insurance plan. You pay a monthly premium and are entitled to specific dental benefits, which usually include X-rays, cleanings, standard checkups, and basic services that encourage regular dental care. Some dental insurances provide more coverage than others, others require that you make a co-payment at the time of service. Most plans don't fully cover advanced procedures for dental improvements like braces, dentures, crowns or cosmetic dentistry.

The most common types of dental insurances are:

HMO Dental Insurance Plans

In an HMO dental coverage, dentists in a network have to provide dental care to members of the insurance plan they are part of.

PPO Dental Insurance

PPO dental care allows you the flexibility to see any dentist you choose
However, with most plans, you can get additional savings by using a dentist who is part of an insurance provider's network of health care professionals.

Dental Indemnity Plans

In this type of dental insurance plan, you have the option to visit any dentist you wish. You are required to pay a deductible on your indemnity dental insurance. After you have done so, your insurance provider will cover a part of 'usual and customary' dental costs.

DHMO - Dental Health Maintenance Organization

In a DHMO, the patients must visit only dentists that are part of the DHMO network.
The dentist joins in a contract with the DHMO and agrees to provide dental treatment for the patients who are a part of the DHMO. The organization pays the dentist a certain amount per patient and the dentist must then provide dental treatments to these patients. Sometimes, the patients have to pay a co-payment for certain treatments.

EPO Plans

Exclusive Provider Organization (EPO) dental plans cover expenses when their customers see dentists that are a part of the EPO network. The service provider may limit the types of specialized services the patients have access to. When choosing an EPO network, make sure enough services are provided. Sometimes, high quality dentists choose not to participate in EPO networks. This is because the EPO will require the dentist to reduce the fees they charge for their services for patients that are part of the EPO.

Without dental insurances, people are tempted to miss preventive dentist visits and normal cleanings and checkups, a decision that likely can lead to significant dental health troubles, even when one exercises regular oral health care.

It is however not easy to find good dental insurances as every insurance provider claims to offer the best dental insurance plan, the best discount dental plans, or the best dental coverage.

One place to look for quality dental insurance at an affordable rate is Los Angeles Dental Insurance. It shows you the most affordable ways to select the best dental insurance.