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A “Dream Remedy” for Dental Anxiety And Stress?

September 15, 2013

Published by admin on September 5, 2013

There are 3 types of dental insurance:

1: Indemnity: You are able to go to any dentist of your choice. This dental insurance is normally offered by your employer.

How it works: These plans typically cover 100 percent of routine care (such as exam, x-rays and cleanings), 80 percent of

minor procedures (such as fillings, root canals, deep cleanings and extractions) and 50 percent of major work (such as

crowns, bridge, partials and dentures)

2: Dental PPO: A preferred-provider organization plan; you are able to choose any dentist like the indemnity

dental insurance or you can choose a dentist who is contracted with the insurance called in-network dentist. This

type of dental insurance is typically offered by your employer as well, but there or only a couple that you can get as

individual dental insurance. The cost is normally about $35 to $40 per month.

How it works: These plans typically cover 100 percent of routine care (such as exam, x-rays and cleanings), 80 percent of

minor procedures (such as fillings, root canals, deep cleanings and extractions) and 50 percent of major work (such as crowns,

bridges, partials and dentures). Your coverage may vary for out-of network and in-network doctors. Your dental office can

check this for you.

3: DHMO: A dental health-maintenance organization plan.

How it works: You are not able to choose a dentist of your choice, you have to choose a dentist within the plan’s network only, and you are not able to go to any other dentist unless you call your plan and have them change you to another office which normally takes a month. This type of plan is offered by your employer and some have individual coverage. Routine services are usually fully covered. For minor and major services, there are co-payments that vary plan to plan and there are lots of services that are not covered because they are considered cosmetic or an upgrade.

In summary, you get the best coverage with indemnity and ppo dental insurance with less out of pocket cost, but your yearly coverage is limited to your dental insurance maximum for the year.

We offer monthly payment plans with no interest. Please call 323-771-7254 for more information.

By: Ladan Zinati

admin

Dr. Ladan Zinati, a graduate of University of Southern California, USC in 1993 where she graduated on top of her class with honor and multiple awards. Dr. Zinati is a member of American Dental Association, California Dental Association, and Los Angeles dental Association. At age 12, Dr. Zinati knew she wanted to be a dentist and by age 17 she started working in a dental office as a dental assistant for 5 years while attending last year of high school and 4 years of university, before entering dental school.

12 Comments

Confused About Dental Insurance coverage? | St James Dental Group says:

September 6, 2013 at 12:27 am

[…] Dental Insurance: Read more […]

Reply
Angelina says:

October 7, 2013 at 5:08 pm

This is a great post Dr. Z. It really makes you understand the difference between insurances out there.

Reply
- admin says:
  
  October 20, 2013 at 2:31 am
  
  Thank you Angelina. A lot of people really don’t know what dental insurance is all about and what types there are they can choose from.
  
  Reply
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January 12, 2014 at 7:03 am

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January 17, 2014 at 5:50 pm

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January 18, 2014 at 1:55 pm

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Gary R says:

January 30, 2014 at 3:33 pm

This is a great article! I have for years tried to figure out the complex world of dental insurance, how to apply for coverage, the different options that are available and so on.

Reply
- admin says:
  
  February 2, 2014 at 4:26 am
  
  Thank you Gary. I am glad my article was a great help to you in getting some answers about dental insurance.
  
  Reply
Dental Services Covered By Medi-Cal For AdultsAffordable Dentist In Los Angeles says:

September 28, 2014 at 8:48 am

[…] Dental care IS LINKED to systemic health. Adults who have not had dental care for many years due to no dental benefits, need to get to the dentist ASAP because from what we have seen 100% of the patients who have come […]

Reply
micheline says:

December 14, 2014 at 6:12 pm

I just wanted to tell you thank you for this post because last week I read it and it helped me a lot when my company was offering me dental insurance, I was able to choose the best one for me.

Reply
- admin says:
  
  December 14, 2014 at 9:28 pm
  
  I am so glad to be of help.
  
  Reply
- admin says:
  
  December 14, 2014 at 9:29 pm
  
  I am so happy to be of help.
  
  Reply

Confused About Dental Insurance?

First Lady Michelle Obama: Combat Against Childhood Obesity

A “Dream Remedy” for Dental Anxiety And Stress?

There are 3 types of dental insurance:

admin

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