Dental insurance can come in varying degrees. You have the basic cheap dental insurance plan which only covers minimal procedures with cash payout, and you have the other side of the spectrum – the full coverage dental insurance.
Now, with this full coverage dental insurance, you get insured for all minor treatments including maintenance and preventive dental procedures. Depending on the details of your dental plan, you will be able to enjoy anywhere from 80 – 100% full coverage on minor treatments. As for the major dental procedures like surgeries or root canal, you can expect more cash pay outs but there will still be considerable insurance on the treatment. Understandably, the insurance company cannot insure 100% on surgeries since the costs are constantly fluctuating.
There are also different kinds of dental insurance. These are:
Reimbursable Insurance which means that this is more like a benefit from working with your employer. That is, if he offers it. Reimbursable insurance means that you pay for the treatment, and then show the receipt to your boss, and he reimburses you. Normally, the employer will not cover the full cost, but he will help with the expenses.
Group Insurance is an option you have if your employer does not offer any kind of dental insurance. Get a group together in your workplace, all willing to have full coverage dental insurance, and have your employer endorse your group plan with the insurance company. Your employer has no obligation to pay for anything, and everyone in the group must keep up with their obligation to pay regularly. The advantage of this insurance is that you get better discounts since you are a group.
There is also the Discounted Insurance plans which is similar to a membership with monthly dues and an enrollment fee. What happens is that you get a straight discount, the exact percentage would depend on the procedure done, and which is applied right away. You will have to pay for the treatment, but at a discounted rate.
Finally, you have the regular Traditional insurance, which is the original style wherein you pay, then process your claim.