Most people understand the importance of seeing the dentist regularly. However, if you don’t have dental insurance, you might skip these crucial appointments. Understanding the different policies available will help you invest in the right coverage and protect your oral health. 

What Are the Different Kinds of Insurance Dentists Accept?

There are four primary types of dental insurance. The first is a health maintenance organization plan (HMO). Many people love this option because it has the lowest monthly premiums. However, this plan limits how often you can see your dentist each year, and you must choose an in-network provider. Additionally, you often have to reach a high deductible before the policy kicks in and covers your expenses. This plan is ideal for those who only need basic oral care.

The opposite of an HMO is a preferred provider organization plan (PPO). This option has higher monthly premiums but allows you to see both in- and out-of-network doctors. Additionally, your out-of-pocket expenses are much lower than an HMO. If you require ongoing treatment, this option is ideal.

The third option is a dental savings plan. If you cannot afford full insurance, this coverage is excellent. With this policy, members receive discounts on most dental services. The downside is that you won’t receive full coverage for the services provided.

The final type of insurance is a dental indemnity plan. With this option, you pay the dentist directly for all your appointments and services. Then, you submit a claim to the insurance company to receive reimbursement for your expenses.

What Does Dental Insurance Cover?

Most basic plans fully cover preventative care, such as cleanings and annual check-ups. They also completely cover services like fillings, root canals, extractions, crowns, and oral surgery. For more extensive services, such as braces, root planing, scaling, or dentures, you require a copayment.

Once you’ve determined the right insurance for your needs, the next step is to find a reliable dentist. That’s where Kimberling City Dental Center in Stone County, MO, comes in. With over 32 years of experience and a broad range of services, they have everything needed to ensure optimum oral health. Give them a call today at (417) 739-4965 to schedule an appointment, and visit their website to learn more about what they do.