Without a right type of dental insurance it will be extremely costly to take care of your pearly white teeth. Your normal dental insurance might be giving you an excellent coverage like x-rays, cleaning, filling, scaling etc of teeth. But human wants are unlimited. You might be craving for more wide and extensive coverage like teeth implants and cosmetic surgery. Here comes the benefit of supplemental dental insurance.
As the name suggest, a supplemental dental insurance is a supplement to a normal dental insurance plan. Most people often assume that their regular dental insurance plan will cover the cost of everything that they undergo. But it is not the case. Almost all the dental insurance plans do not give an extensive coverage.
A basic supplemental dental insurance plan generally offers 50% coverage in the first year for a fixed amount. In the second year the coverage may rise up to 80%, but it may depend on the insurer.
Supplemental Dental insurance plan is offered by a supplementary dental insurance company rather than by the normal insurance company. The growth of supplemental dental insurance can be traced back to the times when the employer stopped providing an extensive and comprehensive plan to his employees because of the rise in the cost of dental treatments and the frequent movement of the employees from one company to other.
There are several varieties of dental insurance supplement plans, but they fall under a few broad categories.
Dental discount Plans: It is designed to lower dental costs by asking the large number of their members to negotiate lower prices for their members. They lower your dental costs by passing the savings on to you.
Discounted Student Dental Plans: Many colleges have opted to provide discounted student dental plans for their registered students. By paying a small co-payment, the students can easily avail of the discounted supplemental dental insurance.
Dental Insurance Preferred Provider Network: With a preferred provider plan, you can choose from any dentist who is a member of the network for your dental care and switch dentists whenever you like.
But before buying a supplemental Dental Insurance plan, you need to do a thorough research on the quotes offered by different insurance companies. Because of the online facilities that are provided by the different insurance companies, your work has become much easier and less time consuming. Go online and shop around a little to find the best deal for you.