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
Several Kool Smiles locations have on-site orthodontists that accept Medicaid, TRICARE, and CHIP. However, because Medicaid rules differ from state to state, orthodontic services may not be covered by Medicaid at every Kool…Read Full Article
People who require services such as wisdom teeth removal, dental implants, and TMJ (jaw) surgery will probably need an oral surgeon to perform the necessary services. The dental professionals at…Read Full Article
If you have kids, you need affordable dental insurance. If affordable dental insurance is out of reach, keep in mind the dentists at Kool Smiles are here to ensure your…Read Full Article
Orthodontic work is expensive, but it’s often needed to straighten your child's teeth. While it may seem hard to find an affordable orthodontist, there are some important reasons to continue…Read Full Article
Sometimes, it can be difficult to find quality dental work at a low cost. Thankfully, Kool Smiles offers affordable, high-quality dental care for your kids without breaking the bank. We…Read Full Article
For many families, it can be hard to find dentists that take state insurance or Medicaid plans to cover dental work. At Kool Smiles, we have made it our mission…Read Full Article
Can the dentist be affordable? A dental exam will cost you at least $50 in most states, with many approaching $80. For additional costs like x-rays and basic cleanings, a trip…Read Full Article
"Where is the best dentist in my area?" Simply enter your zip code to search for the best Kool Smiles dentists near you. Kool Smiles is a network of child-friendly dentists working…Read Full Article
Choosing a dentist, especially when you have kids, is an important health decision. It’s recommended that children visit the dentist around their first birthday. Parents need a dentist who is…Read Full Article
Is there such a thing as an affordable dentist? Even for a routine exam or cleaning, dental costs can start adding up fast, especially if you don't have insurance. However, top-notch dental…Read Full Article
What happens if your child experiences a dental emergency after normal business hours? Finding 24-hour dental care near you can seem impossible. Kool Smiles provides extended evening and weekend service for its existing patients, and we have on-call doctors…Read Full Article