Idaho Individual Dental Insurance

Written by Helen Glenn Court
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As with regular health care coverage, you have two basic types of Idaho individual dental insurance. The first is a traditional indemnity, or fee-for-service, policy. The second is a managed care plan, which is almost always a PPO, or preferred provider, rather than an HMO policy. What you want to remember as you shop plans is that most dental providers are likely to impose a waiting period--maybe six months, maybe 18 months--before certain procedures are eligible for coverage.

Looking at Idaho Individual Dental Insurance Coverage

A good Idaho individual dental insurance plan will cover basic dental health procedures--that is, annual check-ups and cleaning--as well as simple fillings, x-rays, and the like. The more complex and invasive any procedures beyond that, the less likely they will be covered or covered in full. Examples include root canals, bridgework, crowns, cosmetic surgery, and the like.

Dental insurance, however, has become much more common in the last 10 or so years. Because of that, different levels of coverage options have developed. Traditional fee-for-service plans are decidedly more costly, but give you the flexibility to receive whatever treatment you need from whatever dental specialist you choose. Managed care dental plans, like their medical counterparts, while affordable, restrict you to a network of providers and limited coverage.

The factors you want to consider in looking at different Idaho individual dental insurance plans are what you'd expect. You need to look at your dental history and consider the likelihood of needing ongoing dental treatment. Do you have any fillings, crowns, or bridgework do you already have? Are any children in your family candidates for orthodontic work, that is, braces? Do you have a history of gum disease in your family? Yes to any of these questions means that dental insurance is probably a good idea.

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