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One of the best benefits you can receive from an employer is dental insurance. However, to get the most out of it, you'll need to choose a plan that meets your oral care needs. Additionally, if you already have a dentist you trust, you'll want to select a plan that lets you use their services. Here's what else you should consider when it comes to dental benefits.

What You Need to Know About Dental Insurance

Why should you purchase a dental plan?

Since oral health can affect overall health, it's vital to see a dentist periodically to prevent dental issues before they begin. However, you could still face oral health problems despite routine preventive care. As such, dental expenses can add up quickly. Fortunately, with the right coverage, regular checkups and significant dental work become more affordable.

What's the difference between a DMO, PPO, and an indemnity policy?

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A Dental Maintenance Organization (DMO) is a low-cost plan where you must choose a dental provider belonging to the network. Alternatively, a Preferred Provider Organization (PPO) plan gives you a list of participating providers that will help you save money, though you can still opt to see your own dentist. A dental indemnity policy is a traditional insurance policy where you choose your dentist, pay each bill in full, and submit the reimbursement claim afterward.

Which dental plan is the best?

The ideal dental insurance plan is one that works best for your situation. You generally need to consider the monthly payment you can afford, whether you want the freedom to choose a dentist, and the services covered.

What kind of dental insurance is available for self-employed individuals?

Insurance companies typically offer dental plans only to those with employers. However, you can purchase health insurance that comes with dental coverage. It's also possible to buy a low-cost, stand-alone private dental plan. Lastly, you can check if you qualify for a health savings account, which allows you to save for health expenses, such as dental services, without being taxed.

 

If you're looking for high-quality dental services, contact Apex Dental Care. Located in Issaquah, WA, this family-friendly practice provides patients with exceptional care, including teeth cleanings, crowns, and root canals. Call today at (425) 837-0383 to schedule an appointment with an experienced dentist, or visit their website to learn more about their dental plans.

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