Features Of Medicare Dental Plans

In a world where the number of diseases is constantly increasing, the importance of an insurance cover cannot be compromised with. Having an insurance cover for themselves as well as for their family members is now being seen upon as necessity by the society in general. However due to burgeoning insurance costs, getting an insurance isn’t an easy thing. Thus, many people, in order to save a few bucks, skip dental insurance. They are being penny wise and pound foolish. For, any overlooking of a problem may lead to it becoming a bigger problem, which may cost the people their own lives and a far more expensive medical bill. An optimal solution for people, who want to avoid footing an expensive dental insurance bill, is Medicare dental plans. These plans are unique in the sense of their wide scope of coverage of health conditions. There are different types of Medicare plans available and purchasers should do their share of research on these plans before buying one. The benefit provided by these plans is a reimbursement of the dentist’s bill after the concerned authorities have examined the reports. Generally, these dental plans do not cover mundane dental services like routine checkups, crowning, teeth extraction, filling of cavity or even various teeth implantations. However, there are various other health covers that insure a purchaser’s regular visits to a dentist’s office. The features are mentioned as follows:

• Affordable – These plans are highly affordable and within the reach of almost everyone, which make them highly convenient as well. Moreover, of late a few of the Medicare dental plans have been giving their purchasers insurance against basic dental services. According to this plan, the policy holders are allowed a discount of 50% on the bill of the dentist for a single cavity filling, crowning repairs and a single root canal treatment, at any one time of the year.

• Medical Savings Account – These plans also have the option of opening a medical savings account as an alternative for the coverage of basic dental care. The amount to be credited is extracted from the Medicare account of the person who holds the dental policy.

• Occasions covered under Medicare dental plans-

1. In a kidney transplant or during a surgery for the replacement of heart valves, in case a patient needs dental care services, the same would be covered under the plan.

2. In case, the policy holder is undergoing a jaw surgery and during which he/she needs certain dental services, the bill of both the procedures will be borne by the policy.

3. In case of an accident, if any damage is suffered by the jaws or the teeth, the bill paid for the required treatment, will be reimbursed by the authorities.

4. In the event of the contraction of a tooth infection after the extraction of a tooth or teeth, the expenses will be covered under the Medicare dental plans.

5. For senior citizens, dental care services are offered at subsidized rates or even for free of cost, as per the prevailing circumstances.

6. In case a policy holder requires surgery or extraction of the teeth as a part of an ongoing medical treatment, the bill will be footed by the dental plans.

Aetna Dental Insurance Provider Review

Aetna dental insurance is a very popular dental insurance that is linked with affordable and high quality dental care. This insurance provider started operating in the year 1850 and was initially an insurance company that arranged an annuity fund for life insurance. But over the years the company has widened its market base and is now found in various locations as well as working together with various field experts to give their clients only the best that there is in supplemental dental insurance.

Dental Services Offered by Aetna Dental Insurance

Their basic care services include simple extractions, fillings, root canals and general restoration of the dental formula. Preventive care services are x-rays cleanings and regular cheek- ups while their major services are dentures, crowns and bridges.

Aetna Dental Insurance Plans

Their insurance plans provide full dental insurance coverage catering for individuals, families as well as corporate and they offer a wide orange of products to suit the needs of every client. Their individual plans are divided into two based on the age groups of the clients. The first plan caters for persons aged 49 years and below while the second is for clients aged 50 and above. The plans are:

o Network only plan: this caters for employees by providing a wide coverage with cost savings through bonuses. The plan covers for basic and preventive care without a requirement for referrals for orthodontia, preauthorization in cases of specialist care and has no deductibles.

o Network Optional Plans: provide multiple options designed to satisfy the needs of every client. It also has no requirement for referrals and gives the client the choice of coinsurance levels, deductibles and maximum benefits levels.

o Hybrid Plan: it’s a fusion of various insurance plans and caters for the major services, paying a blended rate and does not depend on the individual types of plans making the fusion. The member has the freedom to choose between an indemnity plan along with a DMO (Dental Management Organization) plan or a PPO plan.

Other types of plans are riders, discount and health funds plans.

Benefits to Aetna Dental Insurance Members

o It results in general improved dental health and financial heath in times of emergencies.

o When these plans are offered to employees, it leads to improved relationships between the employer and employees.

o Members can take advantage of the savings plans through their dental access network. Actually this is the largest and most recognized dental network in the US.

o It helps meet a huge part of dental medical bills.

o Offers a big range of products that are meant to ensure that every client gets exactly what matches their needs.

o Their plans offer a lot of flexibility to the members such that they are able to easily shift from one plan to another in line with changes in their individual needs.

o Their rates are affordable as compared to those offered by other competing firms such as MetLife Dental Insurance companies.

Aetna dental insurance is a very popular dental insurance that is linked with affordable and high quality dental care. This insurance provider started operating in the year 1850 and was initially an insurance company that arranged an annuity fund for life insurance. But over the years the company has widened its market base and is now found in various locations as well as working together with various field experts to give their clients only the best that there is in supplemental dental insurance.

Dental Services Offered by Aetna Dental Insurance

Their basic care services include simple extractions, fillings, root canals and general restoration of the dental formula. Preventive care services are x-rays cleanings and regular cheek- ups while their major services are dentures, crowns and bridges.

Aetna Dental Insurance Plans

Their insurance plans provide full dental insurance coverage catering for individuals, families as well as corporate and they offer a wide orange of products to suit the needs of every client. Their individual plans are divided into two based on the age groups of the clients. The first plan caters for persons aged 49 years and below while the second is for clients aged 50 and above. The plans are:

o Network only plan: this caters for employees by providing a wide coverage with cost savings through bonuses. The plan covers for basic and preventive care without a requirement for referrals for orthodontia, preauthorization in cases of specialist care and has no deductibles.

o Network Optional Plans: provide multiple options designed to satisfy the needs of every client. It also has no requirement for referrals and gives the client the choice of coinsurance levels, deductibles and maximum benefits levels.

Dental Service Plan – Get the Best Plan and the Best Rate

Looking for a dental service plan? Want to get the best plan with the best rate? Here’s how to find it.

Dental Service Plan

Dental service plans, also known as discount dental plans, are an inexpensive alternative to costly and restrictive dental insurance.

Dental service plans save you money on dental care. You get 10% to 60% discounts on dental procedures including exams, cleanings, fillings, crowns, extractions, root canals, bridges, braces, dentures, and periodontal and cosmetic dentistry.

You can choose from 32 regional and nationwide networks with more than 100,000 participating dentists and dental specialists.

Dental Service Plan Highlights

* You get immediate coverage. There are no waiting periods as there are with dental insurance.

* Premiums are cheap, with individual plans starting at $79.95 a year – less than $7 a month.

* There are no exclusions for preexisting conditions or health restrictions like there are with dental insurance.

* There are no deductibles or coinsurances to pay.

* You get unlimited benefits. There are no annual maximums like there are with dental insurance.

* There are no lengthy forms to fill out or paperwork hassles to deal with.

* You can see a dental specialist without having to get a referral.

Where to Get the Best Rates

The best way to get the best dental service plan and the best rate is to go to a dental comparison website where you can compare the rates and benefits of a number of different plans. If you like a particular plan you can sign up online.

The better comparison sites offer a toll-free telephone service where you can talk with a dental plan specialist and get answers to any questions you may have. (See link below.)