Choosing dental insurance—especially if you are buying an individual policy—can be confusing. Some plans have co-pays, while others have fees for services.
With some plans, you can choose your own dentist, and with others, you only have certain dentists to choose from. Here are some frequently asked questions that can help.
Before choosing dental insurance, start by looking at what your family is going to need over the next year. Most dental plans place limits on how much they will pay over the course of the year. If you’re expecting major dental expenses, you should consider that as a very important factor in choosing your plan.
Most families will need a dental plan that includes:
The most affordable option is group dental insurance that’s offered by your employer. These plans are in addition to health benefits.
Like health insurance, there are Dental HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), fee for service plans, and government insurance, like Medicaid. You should learn the details of these types of dental plans to make the best decision for your family.
Kool Smiles accepts Medicaid and TRICARE, as well as most major insurance plans. We have over 120 locations across the country. Type in your zip code to find a location near you.
Dental discount plans are not insurance. They are memberships where you pay an annual fee to get reduced prices at dental offices that take those plans. These plans have advantages, like no cap on benefits, but you have to find a dentist who accepts the plan.
Check your policy, but most dental insurance plans do not cover cosmetic procedures (like making a smile prettier). However, they might cover some procedures if there is a medical reason your child needs braces.
Coverage differs from policy to policy, and for Medicaid, it differs from state to state, so your best option is to check with the dental insurance provider. Or, you can call Kool Smiles. We are very familiar with Medicaid and are happy to answer your questions.
Whether you have private dental insurance, Medicaid, TRICARE, or no insurance at all, Kool Smiles provides quality dental care to children at affordable prices.
Make an appointment online or call us to find your local office.
Dental Plans: http://www.dentalplans.com/press-room/dentalplans101
Has your child chipped or broken a tooth? When this happens, it is considered a dental emergency, and your child needs to see their dentist right away to repair the…Read Full Article
At Kool Smiles, we believe it is important to teach kids good dental health habits while they are young. That's why we offer educational activity sheets to make learning about oral health and…Read Full Article
Don't settle for a boring dentist office. At Kool Smiles, our offices are vibrant and fun so that kids can have a good time while they visit the dentist. We make…Read Full Article
At Kool Smiles, we believe that your family deserves access to affordable, high-quality dental care. That's why we offer low-cost dental options for kids and their families. We have more than 120…Read Full Article
When your child is missing a tooth, it can be difficult to chew or swallow food. Dental bridges fill the gap where a permanent tooth is missing. The cost of a dental bridge can…Read Full Article
Even though your kids are pretty good about taking care of their teeth, they still may have black stains from certain foods and drinks. Don't be discouraged! There are ways to…Read Full Article
Of course you should set a good example for your kids when it comes to brushing and flossing their teeth, but sometimes showing is not enough. Kids learn best from hands-on…Read Full Article
General dentists are your healthy teeth support system, working to treat and improve your child's overall oral health. They typically have a great deal of knowledge about your family's medical history,…Read Full Article
If you're looking for a good family dentist, look no further than Kool Smiles. With more than 120 locations across the country, we provide high-quality dental care at an affordable…Read Full Article
Don't let the cost of braces keep you from getting straight teeth for your children. Low-cost braces for adults and children are within reach at Kool Smiles. We provide flexible payment…Read Full Article
Are you wondering how much braces cost each month without insurance? While it can be difficult to determine the actual monthly cost without consulting your child's orthodontist, the total cost for braces treatment can range between $3,000…Read Full Article