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
Bleeding gums can be caused for many reasons, and how you treat them will depend on the cause. Gingivitis, gum disease, or aggressive tooth brushing are a few reasons why gums might bleed.…Read Full Article
When your child needs emergency dental services, don't waste precious time searching the Internet or phone book for a dentist who can see them right away. If the emergency is life threatening, call…Read Full Article
Finding a dentist open on Sundays can be difficult, but making a dentist appointment for your children outside of traditional weekday hours is sometimes necessary. When you need to schedule a…Read Full Article
Kool Smiles specializes in the care of children's teeth and believes that all children deserve quality dental care. Kool Smiles helps families of all income levels find great dentists for their…Read Full Article
Not all dentist offices accept Medicaid, but Kool Smiles makes it easy to find the ones that do. Kool Smiles has over 120 locations across the US, and we accept…Read Full Article
Should your children be using dental floss? Yes. Flossing is just one healthy dental habit your kids can develop early and keep with them for life. You should help your…Read Full Article
Burning mouth syndrome can be a confusing thing to treat, mainly because there are different ideas as to what causes it. If your child suddenly feels like he or she has…Read Full Article
To give your child a clean, healthy smile, you may be interested in learning about tips for dental plaque removal at home. Good teeth and mouth cleaning habits begin at home, so…Read Full Article
If you're looking for a pain-free dentist, consider taking your children to Kool Smiles. At all 120 of our offices, our experienced dentists free children from the pain of cavities…Read Full Article
The best way to get your child learning about good oral hygiene is with dental health lesson plans specifically made for kids. When you are able to reinforce your child's dental…Read Full Article