Category Archives: Dental Insurance

Full Coverage Dental Insurance

Cavities, braces, gum disease, sports accidents, car accidents, tooth erosion and even oral cancer…you name it, it can happen to you.

Although you may not feel that full coverage is really worth it since you don’t really need to go to the dentist unless you want to…would you be willing to live with the pain, discomfort and even complete loss if you have dental problems in your future?

Choosing not to have this coverage could be one of the biggest regrets down the line should something go wrong with a bodily asset that many take for granted. Many oral problems start out with very subtle signs that we can often and easily ignore. What we are really doing is putting off the one step that can save us from bigger issues down the line.

By maintaining your regular six month appointments with your dentist you can catch many issues even before the subtle signs begin to surface. This supports overall dental care before more serious issues can occur.

Without insurance, even going for a simple cleaning or checkup is certainly not cheap. This is why many avoid going altogether and hence, the cycle begins. By having insurance you can have those cleanings and checkups at a low price and are also eligible for certain reimbursements and cash payouts making it financially worth it in the end even having just one dental issue!

Even if your oral health seems to be in perfect condition now, avoiding this simple step of safeguarding your mouth will not help you after any issues begin. Obtaining thousands of dollars for one procedure will definitely be more challenging then the research it will take to get you the coverage now.

Pre-existing conditions such as the common gingivitis will not be covered if you have not already obtained this necessary coverage. Just like any other step we take in life to ensure our longevity and daily health, full coverage dental insurance is a smart choice that you should consider…today.

- The HIC Group executive team

Choosing the Right Dental Insurance Plan

Are you one of the millions of people who don’t have any dental insurance at all, let alone a supplemental plan to cover the additional expenses associated with things not normally covered? Did you know that half of all Americans have no coverage at all? For those without employer provided benefits or those who are self-employed or in between jobs – what do you do when it’s time for your six month teeth cleaning? What if you have an accident?

Fortunately, there are discount cards and private insurance plans available. With that being said, there are also many unscrupulous insurers as well, so it is important that you do your homework before signing a contract with a company representative you just met on the phone. Things like total coverage and co-pays are essential, and just as important as the total cost of your coverage. This is where many people make a poor choice when choosing their provider.

Before you make a commitment you may regret once you get the first bill from your dentist, or find out you can’t go to the dentist you want – read the small letters in the contract. You may be surprised at what you find in the fine print. Here are a few tips for finding the best private dental insurance plan:

Learn what the co-pays are for each basic visit. Things like check-ups and cleanings may have small costs associated for each time you go.
How much will your dental plan cover in regards to major work? Things like cavities, extractions, root canals and crowns usually are only covered for a certain percentage.
What is the maximum benefit of your coverage? Many plans have a fairly low max benefit per year that they will stop paying for if you exceed.
Will your company pay for treatment and repair of pre-existing conditions? Most don’t. If they do, how long do they require you to maintain coverage before they begin to cover major work?

These are just a few of the things you need to look into before you purchase private dental insurance coverage. There is no such things as high quality, lost cost plans so make sure you find the best plan for your family. Make sure to cover all basis prior to making a decision. You don’t want to wait until after you’re insurance plan rejects a claim to learn they probably weren’t the best choice.

Thank you for visiting our Blog.  If what you read was helpful or if you have any questions, please leave a comment and we will be sure to respond in a timely manner.

- The HIC Group executive team

What is Dental Insurance?

If you wish to cover any problems arise from your teeth, dental insurance is your only option. This type of insurance usually covers problems like broken tooth during accident, tooth fallen caused from work and so on. However, the insurance coverage can be customized to suit your personal needs.

A dental insurance not only covers on broken teeth caused by an accident, and it is normally set to covers the annual dental checkups, cleaning or washing as well as teeth filling. With this kind of policy being setup, the client will normally visits the dentist more frequently to get their teeth checked. This policy is actually being setup for the benefit to the insurance company, with more frequent teeth maintenance, they could save lots of money in the future for more serious teeth treatments.

As usual, a dental insurance premium is not cheap, but some of the private companies would provide the insurance free to their staffs. But this type of policy having minor difference compare to the personal policy, the staff is only allowed to visit the dentists who are pre-registered with the insurance company, and the type of treatments received will also be limited.

Some of the insurance companies will set a limit on the amount can be claimed, once the claim exceeded the claim threshold, you may have to pay the balance by yourself. In most of the cases, the limit is set at $ 1500 per year, but it would cost you at least $ 3000 for a root canal operation. A normal dental insurance can cost you $ 50 per year on the premiums and can go up to $ 300 per year. To ensure that your dental care is fully covered up, you have to check with the insurance company about the policy offered.

Thank you for visiting our Blog.  If what you read was helpful or if you have any questions, please leave a comment and we will be sure to respond in a timely manner.

- The HIC Group executive team

How to buy Dental Insurance

Your teeth are one of your biggest personal assets, and many would agree because you need your teeth to, well, eat and live! And if your teeth aren’t working properly, then you won’t be able to maintain your health. But keeping your teeth healthy and strong isn’t just as simple as brushing and flossing every day. You need to visit a dentist at least twice a year for checkups and professional cleanings. Now, you may be thinking to yourself, “All those checkups and cleanings can be pretty costly though”. Well, you’re right, but that is why you need to get dental insurance.

With a good dental insurance plan, not only will you get to see the dentist for routine visits twice a year, you will also have coverage for those “just in case” time, i.e. just in case you are in a car accident and need some major dental work done. The last thing you want to have is thousands of dollars of unpaid medical bills!

But what do you look for when getting a good insurance plan? To answer that, here are a few good tips to help you find the best dental insurance plan.

Ask Around

Your friends and family all most likely have dental coverage. Ask around to those people and see what plans they use, and how they like their current dentists. Also, another good strategy is to go direct to your dentist or whichever dentist you would like to use, and ask them what dental insurance plans they recommend.

Know the terms of the coverage

Make sure you know what you are going to get when you buy your insurance plan.

For example, you don’t want to be paying $ 1000 for a plan that has only $ 1000 of coverage. That just makes no sense, but those plans are out there, and people actually pay for them! Ouch! Also, don’t necessarily buy cheap coverage. There is a reason it’s so cheap. It probably doesn’t cover certain things, or there may be a huge deductible.

In addition if you are a young person/have good teeth/are not very accident prone, you can most likely get away with a NJ dental insurance plan with minimal coverage, i.e. preventative coverage like those checkups, cleanings, x-rays, etc.

With these simple tips, you should now be better able to easily find the right dental insurance for your specific needs.

Thank you for visiting our Blog.  If what you read was helpful or if you have any questions, please leave a comment and we will be sure to respond in a timely manner.

- The HIC Group executive team

Do you have Dental Insurance?

Do you have health insurance? Hopefully, you do because of the strong importance of it. Without insurance coverage, medical needs will cost you dearly. When you think of health insurance, you probably think of doctor visits, surgical procedures, etc., but there is more to be covered.

One such thing is your teeth. You need your teeth to be healthy if you want to keep them for a long time. You should brush and floss everyday, but you should also have periodic visits at the dentist for a cleaning. Sometimes you really can’t avoid the dentist if you need work done such as filling a cavity or doing a root canal.

Dental work can also be expensive. If you pay for it all yourself out of pocket, it will add up fast and some people just can’t afford it. Often on health insurance plans, the dental insurance coverage is just not enough. This will require you to get some sort of supplemental dental insurance.

Check with your current health insurance provider to see what they offer as far as dental insurance. If you are covered by your employer’s benefit package and your dental coverage is lacking, you will need to find a company that offers supplemental coverage for what you need at an affordable price. Shop around for good coverage but make sure you are not spending so much that you might as well pay for the work out of pocket. In that case, it wouldn’t be worth it. This type of supplement is also very beneficial for those who are covering a family.

Thank you for visiting our Blog.  If what you read was helpful or if you have any questions, please leave a comment and we will be sure to respond in a timely manner.

- The HIC Group executive team

Basic dental insurance guide

Dental insurance normally provides coverage for your routine and non routine visit to a dentist. It is an effective way to help protect to your teeth from major treatment. Dental insurance plan can be received via agents and companies for individuals as well as families. In most of the dental insurance policy, it should covers cleanings, fillings and crowns, emergency tooth replacements, non-cosmetic oral surgeries and x-rays.

However, you should evaluate the plan offered and determine what dental policy is able to fulfil your requirements. With that said, you have to ask yourself with the question as below:

1. Do you hold the right to choose your desired dentist?

2. Is the dentists provided in the insurance plan give you the best treatment rate?

3. What is being covered under the policy?

4. Is the dentist provided in the plan available in your area?

5. What is the percentage out of the dental treatment cost that you have to pay?

Some of the employers will provide their employees with dental insurance coverage but employers have rights to place restrictions on dental services covered in the plan. They will normally only allow the employees to visit only the dentists that are participating in the group dental insurance plan. Some dentists prefer PPO because in this plan insurer pays at least 80% on most claims. People can get 100% repayment for routine dental visits whereas major surgeries and cosmetic procedures may reimburse 50% to the dentist. Some other common type of dental insurance is HMO, but this type of policy is less favourable because dentist in this network charged higher treatment cost compare to PPO network.

Premium of dental insurance can be as low as $ 100 per year but choosing the right plan is the most important part.

Low cost dental insurance does not means it is no covering well about your dental care, unless you pay a heavy visit to dentist, otherwise this can be the best dental plan for you.

Thank you for visiting our Blog.  If what you read was helpful or if you have any questions, please leave a comment and we will be sure to respond in a timely manner.

- The HIC Group executive team

Dental Insurance 103

Dental insurance plans are insurance plans designed to pay the costs associated with dental care. Dental care by dentists, orthodontists and hospitals will have a portion of their charges paid by dental insurance. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.

Dental Insurance: Well, this is just like health insurance. You pay a premium – monthly or weekly and in return you receive dental benefits which can range anywhere between 80-100 percent of your dental cost. Usually dental insurance is provided by your employer. There are limitations just like in health insurance – waiting periods, pre-existing dental conditions might not be covered and so on. Check with your employer or your insurance agent about the extent and amount of cover.

Okay, I see that my favorite dentist is not networked into the dental insurance plan you are about to sell me. So, can I pay a little extra in order to keep visiting my favorite dentist and keep getting reimbursed by the dental insurance company for his bills?

PPO Dental plans are very similar to their medical counterparts as well. These plans also offer a network of dental providers, and the insured individual is encouraged to use dentists from the list. The advantage to these plans is that the dentists offer cheaper rates for patients coming from the plan. The insured individual also has the option of going to an out of network dentist, but then he will be charged with more expensive bills (at times even significantly more) or receive fewer benefits – these can make a real difference.

The right personal dental insurance plans are those that give you your money’s worth. These can be very effective and prevent damages to take place in your teeth and your gums. Go for the individual dental insurance plans that you can afford and fit your lifestyle.

Aside from the cost, here are some other considerations that you should think about when you are looking for individual dental insurance plans. You should confirm whether the plan you are eyeing allow you to choose your own dentist.

Most of the individual dental plan cover for common basic dental procedures such as bi-yearly cleaning services, general oral checkup twice a year, and x-rays. Anything outside of these categories need to be paid by the policy holders themselves. Therefore it is worthwhile to take advantage of the preventive care benefits which are offered with a good dental insurance plan.

You can probably get away with not having a dental insurance plan for years, but when the time comes and it seems to come for all of us, you don’t even want to think about paying full price. If you find yourself in this situation contact one of the discount dental plan providers and sign up. They will cover you right away so at least you can enjoy a deep discount on services.

Some insurance companies would cover cosmetic dental procedures such as teeth whitening in their insurance plan. Whereas other insurance companies do not cover for such procedures.

You should read and examine the fine print in your policy very carefully. Doing so would prevent you from any problem in the future.

Thank you for visiting our Blog.  If what you read was helpful or if you have any questions, please leave a comment and we will be sure to respond in a timely manner.

- The HIC Group executive team

 

Dental Insurance 102

Dental check ups, teeth cleaning, root canals, tooth extractions and teeth fillings are some of the dental care and treatments that one needs to go through at one point in our life. It could be monthly, quarterly or even annually depending on the kind of care and treatment needed. The dental care and treatment mentioned are very expensive now days but one cannot disregard the fact that we need this to take good care of out dental requirements and problems. A solution to this dilemma is to have a dental insurance that will cover the cost of your dental needs but it has to be reasonably priced and at the same time it has the benefits that you really need. Finding the perfect dental insurance for your needs and requirements is not easy thing to do. Decision will have to be based on careful evaluation of your needs and wide-range of research dental insurance plan.

The first step is to study and find out what might be your dental requirements. Are you the type of person who have big dental problems and will probably need to consult a dentist often than normal, or are you the kind who just needs check ups and maintenance from time to time. If you are on the first group then what you need is a comprehensive dental plan since, this kind of plan covers the entire cost of major dental treatments. Although, you have to bear in mind that a comprehensive dental plan would also command a higher premium rate. But on the other hand, if you do not really need more than the normal dental care you could opt for just a maintenance dental plan. It has much lower premium rates than the comprehensive dental plan. Always compare one dental insurance company from another in order to find the cheapest rate with the right dental care policy without having to sacrifice the services and benefits you would get in return.

There are different kinds of dental insurance plan being offered, the indemnity plan, self-insurance plan, closed panel plan, capitation plan, preferred provider organization, direct reimbursement plan, dental care service plan.

Indemnity dental insurance plan is a fee for service plan and you are allowed to choose your own dentist. It has co-payment options and an annual limit on the coverage of dental spending and dental procedures Self-insurance plan has similarities to indemnity plan but the distinct difference is. You cannot choose your own dentist. Closed panel plan has limited used of facilities and the number of dentist available to you. Preferred Provider Organization is also limited to a group of dentists who are available to provide dental care at a lower cost.

Direct Reimbursement Plan allows the employer to directly reimburse their employees for dental care and services they received. Lastly, Dental Care Service Plan uses a group of dentist who forms a non-profit organization to provide dental care and services at fixed fees.

There are many options available to you that are suited to your needs and requirements. All you need to do is find the right one by asking people who are knowledgeable in this field, or searching in the internet. You can even ask the advice of you dentist. He might be able to give you some  sound advice regarding dental insurance plan.

Thank you for visiting our Blog.  If what you read was helpful or if you have any questions, please leave a comment and we will be sure to respond in a timely manner.

- The HIC Group executive team

Dental Insurance 101

Tired of paying out of pocket every time you go to the dentist? Concerned about the health of your teeth down the road? Dental insurance may be the answer you’re looking for.

What is dental insurance?

Dental insurance is insurance that provides coverage for services relating to the care and treatment of your teeth and gums. Typically, it provides coverage for some or all of the following dental services:

Diagnostic procedures
Semiannual checkups (including cleanings) and periodic X rays
Procedures that restore teeth
Oral and maxillofacial surgery (teeth extraction and oral surgery)
Periodontics (treatment of bone and gum diseases)
Prosthodontics (fillings, dentures, bridges, and crowns)
Orthodontics (repositioning of the teeth)
Oral surgery
Root canal therapy

What does it cost?

Dental insurance is typically inexpensive. The annual cost is often less than you spend eating at fast-food restaurants over the course of a year. If you have employer-sponsored dental insurance, the cost to you will be even less because your employer probably pays all or part of the premium.

How does it work?

Dental insurance may provide direct payment to the dentist for the dental care and treatment that you receive. Or, you may be required to cover your dental expenses out of pocket at the time of service and then file a claim for reimbursement. It depends on the specific plan. The dental plan may also have a list of preapproved dentists, like a health maintenance organization.

With group dental insurance, deductible and co-payment features usually come into play, though the deductible may not apply to routine cleaning and oral examinations.

In addition, you may have to pay a separate coinsurance percentage for orthodontia and certain other procedures. Most plans also place a limit on the total amount of dental benefits that you can receive each year. Finally, if you’ve just enrolled in a dental plan, be aware that there may be a waiting period before your coverage kicks in.

Where do you get it?

Dental insurance has become more common in recent years. Of the roughly 55 percent of Americans who have dental insurance, most receive their coverage through their employer. Employer-sponsored dental insurance may take the form of a health insurance plan that includes dental coverage or a separate dental plan. It could also be benefit choices under a cafeteria plan. Health insurance plans are usually limited to routine cleaning and oral examinations. Separate dental plans usually cover additional dental procedures but place restrictions on amount and price of dental benefits for specific dental treatments.

Unfortunately, if you don’t have access to employer-sponsored coverage, you may have a hard time finding dental insurance. Despite the variety of dental plans available, plans for individuals are complicated to understand. Typically, an individual plan will not cover any orthodontia (braces). And dental coverage is seldom found in individual health insurance policies, except maybe coverage for accidental dental injuries.

This doesn’t mean that you’re out of luck if you’re looking for individual coverage, but it does mean that your options may be limited. In fact, one of the few types of plans that’s readily available to individuals is what’s known as a dental discount plan, which isn’t even a true insurance policy.

Thank you for visiting our Blog.  If what you read was helpful or if you have any questions, please leave a comment and we will be sure to respond in a timely manner.

- The HIC Group executive team