Nsurance Info
Advantages of Offering a Dental Benefits Plan to Employees (Part 2 of 3)
Important factors while finalizing on a
Dental Insurance Plan
An employee has to ask himself the
following before he finalizes on a plan:
Would
the employees like to retain the freedom of choosing their
own dentists?
Will
the mode of treatment be determined by the
patient and the dentist?
What
type of routine and preventive dental care is covered?
Does the plan cover braces, oral surgery, crowns and
bridges, root canals and treatment of periodontal
diseases?
Will
the plan cover all diagnostic, preventive and emergency
services? Including preventive services viz. sealants &
fluoride treatments, which might result in financial
savings to the patient in future? Does it provide for
full-mouth x-rays?
What
forms of major dental care is covered? Does the plan cover
implants, dentures, or treatment for temporomandibular
disorders?
Does
the plan allow for specialist referrals? If so, has the
dentist be limited to the list of specialists to choose
form?
Does
the plan provide for emergencies? What are the provisions
made for emergency care when the patient is on tour?
What
percentage of monthly premiums goes into actual care and
not to administration?
Dental Insurance benefit coverage should be
taken into consideration but should not be the deciding
factor in choosing the treatment.
Dental
Insurance Plan Models
There are numerous dental plans available.
Basically they are of two kinds:
Managed care and Fee-for-service.
Managed care dental plans are restricted
forms of dental insurance which aim at reducing costs and
payouts. They tend to restrict the coverage by limiting
the access to care by restrictions (by predefining
dentist, specialist, hospital or treatments in form of
lists) and restricting level, type and frequency of
treatment (usually in form of clauses in the coverage
policy).
Fee-for-service dental plans have a freedom
of choice options where one can choose their own dentist
and the fee is paid as fixed by the dentist.
..(Go
To Part 3)
