Confused About Dental Insurance? Let Kool Smiles Help

Are you confused about dental insurance? If so, Kool Smiles can help. Kool Smiles is a network of dental clinics that serve families throughout the United States, including those with Medicaid and state-sponsored insurance coverage. Read through the frequently asked questions below to learn more.

Dental Insurance FAQs

If you are a confused patient about dental insurance, you aren't alone. Kool Smiles can help you better understand topics related to insurance to ensure you receive the treatment you need at a price you can afford. Below, Kool Smiles provides answers to some frequently asked questions about insurance and Medicaid coverage.

Are there different types of insurance plans?

Yes, there are several types of insurance plans, including:

  • Dental Health Maintenance Organization (DHMO). DHMO plans (often referred to as prepaid plans) do not have deductibles or a yearly maximum coverage amount. In most cases, a DHMO plan is the least expensive private dental insurance plan you can purchase. However, DHMOs require the insured person to choose one dentist or dental practice to visit, and specialists usually require a referral.

  • Preferred Provider Organization (PPO). Dental PPOs are the most popular type of dental insurance plan, and they allow individuals and families to see any in-network dentist without a referral.

  • Government insurance. Government insurance programs, such as Medicaid and Tricare, help to provide dental coverage to low income individuals and families. Unfortunately, many dentists do not accept Medicaid, and even some that do limit the number of Medicaid patients they will see. Kool Smiles accepts Medicaid at every location, without limitations.

I'm confused about Medicaid coverage. How do I know if I qualify?

Kool Smiles is happy to help anyone who has questions regarding Medicaid coverage. Individuals can see if they qualify for Medicaid by visiting the HealthCare.gov screener and following the instructions on the page.

I already know I qualify for Medicaid, but I'm not sure how to apply.

Individuals can apply for Medicaid online or by phone. To apply for Medicaid via phone, applicants should visit HealthCare.gov for a list of contacts who will help with signing up. When applying for Medicaid, individuals should have certain important documents on hand, including proof of citizenship and tax returns.

What is a dental discount plan? Is it the same as insurance?

A discount plan is a membership program that gives discounted rates on dental procedures at participating dental practices. Unlike insurance, members do not pay a monthly premium, but instead pay an annual membership fee.

Kool Smiles is committed to providing clear and accurate information to promote oral health and avoid confusion related to misinformation and deceptive dental practices. Contact Kool Smiles today for more information about insurance or dental treatment.

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Sources:
USA Today: http://www.usatoday.com/story/news/2015/02/15/medicaid-patients-struggle-to-get-dental-care/23315811/

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