Local Dental Care - Guardian Dental Insurance Coverage

Managed Dental Plans

"Managed" dental care is a great idea.

However, many dentists strongly feel that it should be "managed" by their patients, for their benefit - instead of by a dental insurance company for its benefit.

If you are covered by a dental insurance plan, and if your employer offers you a range of different programs, the time you spend investigating benefits will be time well spent. Doing so puts your family in control of the quality of dental care you can demand and receive from your dental coverage.

Words can have very different meanings, depending on an individual's point of view. Some low cost dental insurance plans restrict patients to "preferred providers" of dental care. That sounds impressive until you recognize that providers are "preferred" by the insurer, not necessarily by you. And in many cases they're preferred, frankly, because they agree to sell their services at a discounted rate.

Review your own insurance options carefully: some dental plans allow participants to continue receiving optimum care from their current physicians and dentists. Some don't. It's your choice.

The idea of solving dental health problems "at no (or minimal) cost to you" is understandably appealing. But recognize the tradeoff. Simply put, it's "little cost and less choice."

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.

Office Visit Co-payments, Dental Co-insurance and Plan Deductibles

What is an office visit co-payment and co-insurance?

An office visit co-payment is a fixed dollar amount or a percentage that you pay for each Family Dental Insurancedentist visit or for each dental service provided. For example, with some plans you may pay a fixed amount such as $5 or $10 per visit. Other plans will charge you a percentage of the total fee - or dental co-insurance -- for the visit. So if your co-payment is 10% and the dentist visit was $200, you would pay 10% which, in this case, would be $20.

What is a dental insurance deductible?

A deductible is the amount of annual dental expenses that a dental plan member must pay before the dental insurance plan will begin to cover expenses. For example, if your plan has a $50 deductible, you will pay the first $50 of your dental expenses before your dental plan begins paying the expenses. Only expenses for covered services apply towards the deductible. For example, if you paid $1,000 for orthodontic work that was not an expense covered by the plan, then the $1,000 will not apply toward your annual deductible.

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.