Many companies celebrate the turn of the year by switching insurance policies on you. As 2016 speeds toward its end, let’s take a look at 3 common questions about dental insurance so you know what to expect!
It varies from policy to policy, but there are some benefits you can expect to see in most plans, which fall into three categories:
In addition to these, the more comprehensive dental policies will often have some orthodontic allowance for children and/or adults that is paid out separately from your annual benefits.
That all depends on the insurance options available to you and your general level of oral health. If you have a history of poor health, multiple dental restorations or gum disease, dental insurance will almost certainly save you money in the long run. This is especially true if you have access to a subsidized plan through your employer.
If you don’t have a subsidized option and are in relatively good health, however - needing only your bi-yearly cleanings and the occasional filling - dental insurance might not be for you. At that point you’d want to weigh the cost of these common dental services against your yearly premium to see where you come out on top. Some dental offices, including ours, also offer dental savings plans that give the uninsured a discount on common services.
When shopping for self-funded plans or looking over options from an employer, you may be asked to pick between an DHMO and a PPO, the two most common types of dental insurance. There are a couple of key differences between the two:
Our admin team works hard to stay up to date on the ins and outs of our patients’ policies. We’re always happy to answer any questions you may have about your benefits; email or call us today and let us know how we can help!
Start your journey with Strobel Dentistry in Chicago
If driving, we validate for a discounted parking rate at the following location: Interpark: 20 E. Randolph is located at the intersection of Wabash and Randolph.
We are proud to offer exceptionally experienced, compassionate, and comprehensive Chicago dental care to our patients. Contact us today or schedule an appointment online to take the first step toward your best experience and results.