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
Your child may experience all sorts of severe dental problems if he or she doesn’t maintain good oral health. Kids’ dental problems can be caused by tooth decay, thumb sucking, and…Read Full Article
If you’re looking for a good pediatric dentist near you, consider bringing your child to Kool Smiles. All of our dentists are experienced in treating children and some of our…Read Full Article
If it is time for your child’s first dentist appointment, you may be wondering whether you should see a pediatric dentist or general dentist. The answer depends on the type…Read Full Article
Getting kids to brush their teeth can be a challenge and daily flossing can be even more difficult. By using various activities, you can show kids that flossing can be…Read Full Article
A pedodontist (also known as a pediatric dentist) is a dentist that specializes in childhood dental health and care. If you're unsure whether your child needs to see a pedodontist dentist,…Read Full Article
It’s never too early to start teaching your kids how to take care of their teeth, and tooth brushing worksheets are a great way for them to learn. By starting…Read Full Article
When your child gets a tooth removed, it’s normal for some bleeding to occur to help form a clot that will slow down the bleeding. However, if your child continues…Read Full Article
Kids’ dental activities can accomplish two things. First, they help teach kids about dental health, including brushing, flossing, and other good habits that will give them a lifetime of healthy smiles.…Read Full Article
TRICARE is government insurance for active and retired military families and reservists. The dental benefits are served through a Preferred Dentist Program (PDP) administered by MetLife. Kool Smiles is part of the…Read Full Article
Dental emergencies are never convenient, and it can be very stressful for you when they happen to your children. If the emergency is serious and possibly life-threatening, you should call 911 right…Read Full Article
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…Read Full Article