Dental Insurance

Are you looking for dental insurance or options?

There are lots of dental insurance plans out there. Which one should you choose?

First of all, you need to know the difference between types of plans. Usually, you need to choose between PPO and HMO.

PPO, or “Preferred Provider Organization”, is the most popular type of plan for the Individual and Family market. PPO plans allow you to visit whatever in-network dentist you wish. Popular PPO plans include  Delta dental, Premera, Regence, MetLife, Cigna, Aetna, Guardian, Assurant, United Concordia, Sun Life, GEHA and DHA(Dental Health Association).

If you want to compare which PPO plan is best for you, check this website. http://www.toptenreviews.com/services/insurance/best-dental-insurance/

HMO, or “Health Maintenance Organization” gives you access to certain doctors and hospitals within its network. A network is made up of providers that have agreed to lower their rates for plan members and also meet quality standards. But unlike PPO plans, care under an HMO plan is covered only if you see a provider within that HMO’s network. There are few opportunities to see a non-network provider. There are also typically more restrictions for coverage than other plans, such as allowing only a certain number of visits, tests or treatments.

Alternative options to Dental Insurance are:  Care Credit, Flex spending Accounts, Health Savings accounts, and In-House dental health plans.

CareCredit is a healthcare credit card designed for your health, and wellness needs. It’s a way to pay for the costs of many treatments and procedures and allows you to make convenient monthly payments. If you want to learn more, https://www.carecredit.com/about/

A Flexible Spending Account (also known as a flexible spending arrangement) is a special account you put money into that you use to pay for certain out-of-pocket health care costs (tax free) . More information  here https://www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts/

At Alki Dental we offer an In-House dental health plan (Alki Dental Club).  For a low monthly membership fee you get periodic cleanings,  x-rays and exams at discounted rates. Club membership plans also include discounted fees for any restorative, cosmetic and surgical treatments performed at Alki Dental .  Learn more about this option http://alkidental.com/alki-dental-club/

Our Recommendations:

1) PPO insurance plan.   At Alki dental, You will not incur any co-pay for your preventative care (cleaning, exam x-rays)

2)  In-House membership program. Financially this is best option if you don’t have dental insurance because it is affordable and there are no treatment limitations.

3)  Care-credit. Most  dental offices offer care credit and it is your best option if you need to make payments. Usually they offer 6 months with no interest.  Care credit can be combined with insurance coverage and membership plans.

If you need help choosing or have questions, we are here to help you!  Just give us a call!