By Arthur Kezian
Dental checkups and appointments are always necessary to make sure your teeth are in good condition. By keeping up with your routine dental visits, you and your dentist can keep an eye on areas of your teeth that could possibly be problematic in the future. This way, you know what to expect and can prevent the problem from getting too big. Dr. Arthur A. Kezian recommends seeing your dentist at least once every six months. Although this may seem like one visit too many, you need to see the bigger picture – by visiting your dentist more often, you can save yourself from facing big problems that will be costly for your and your family. If you don’t have a dentist yet, call Dr. Kezian.
Many people don’t focus on the continuance of good dental health because treatments can be expensive. Sometimes paying out of pocket can leave your pockets empty, but there is an alternative – insurance.
Do You Need Dental Coverage?
Many people do not know that they do not have dental insurance. This is because most health insurance plans do not include dental care. Also, if you are older and receive Medicare, this can also be an issue. Many dental offices do not take Medicare. Apart from that, Medicare does not necessarily pay dental claims. Before you apply for dental insurance, check your health insurance to see if dental is included.
Once you have dental insurance, it is important that you use your benefits and you use them wisely. With health insurance, you pay your deductible and then pay a lesser portion when your bill comes. With dental coverage though, it is the opposite. The insurance company covers a certain amount and you have to pay the balance of the bill. Once you have reached your yearly maximum, you have to pay out of pocket. If you think dental insurance is right for you and your family, you should ask your dentist which one has better coverage. Mentioned below are different types of dental insurances.
Types of Dental Insurances:
HMO Plans – these plans are pre-paid plans and usually need you to pick one dentist to take care of all your dental needs. These plans usually do not have deductibles or maximums. Instead, you pay a fixed dollar amount for specific dental services you undergo.
PPO Plans – these plans usually provide a network feature. They have a deductible and an annual maximum of dental coverage. This maximum differs amongst different PPO insurances. With this plan you pay a certain percentage of the reduced rate of your dental service and your plan pays for the rest. This percentage varies based on the work you are doing whether it is diagnostic or something more major. With a PPO plan, you can visit a dentist of your preference even if he or she is not in the network. With a PPO plan you usually have lower out-of-pocket costs.
It is up to you to see which dental option fits you best. Do some research before you decide to settle with a specific dental insurance. It is important that you know about your plan with all its details. If you have questions about specific types of dental insurances, call Dr. Arthur A. Kezian DDS. His staff can help you with your questions and guide you in the right direction.
Dr. Arthur A. Kezian DDS 443 N. Larchmont Blvd Los Angeles, CA 90004 (323) 467-2777