How It Works
There are numerous senior plans to choose from top dental providers. Some claim to require no paperwork, have no waiting periods or charge only $10 a month with 30-day money back guarantees.
Seniors are encouraged to review the costs of their monthly premiums and deductibles in addition to copay and coinsurance. There are minimum and maximum amounts that they will pay out of pocket for dental services in one year.
The type of dental plan determines the network available to a client. This is an exclusive list of dentists who have agreed to work with the insurance company. The level of coverage may decrease or the premium costs may increase for seniors who receive dentists outside of the plan’s network.
In addition, senior policyholders may have to undergo waiting periods before receiving coverage. The periods may vary from six months to one year. This provision protects insurance companies from dealing with customers who drop their plans immediately after a single usage.
Different Types of Coverage
Some plans cover only preventative services while others provide $1,000 maximum coverage each year. There are plans that cover 100% of preventative costs, include 24/7 access to health information portals and other benefits.
Dental Health Maintenance Organization (DHMO) plans provide extensive coverage as long as you remain with the same dentist or dental office. Visiting another professional may require the policyholder to pay for services out of pocket.
A Preferred Provider Organization (PPO) plan consists of a wider network of dentists to choose from. A policyholder continues to receives coverage if he or she ventures outside of the network.
Discount plans provide discounted dental services at an annual fee. Recipients have access to a network of dentists that provide reduced-fee services. This plan is recommended for seniors who need to undergo several procedures each year.
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