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
If your child has pain around his or her teeth, it may be time for a root canal and crown. But how much does root canal treatment cost? The average price of…Read Full Article
The health of your children's teeth is very important, so you should take your kids to the dentist even if you don't have insurance. Taking your child to the dentist may seem expensive,…Read Full Article
Although the cost of braces can vary, the average price of traditional metal braces for teeth in the U.S. ranges between $3,000 and $7,000. This price can rise if your child…Read Full Article
With or without insurance, the cost of a root canal can vary depending on your specific insurance plan and dentist. If your child is in need of a root canal, you can…Read Full Article
Behind teeth braces, also known as lingual braces, are braces that fit behind the teeth rather than in front. The perk of lingual braces is that they are not easily seen. However,…Read Full Article
If you are wondering what is causing your child's bleeding gums, take him or her to the dentist immediately for a dental exam. The most common cause of bleeding gums is…Read Full Article
If your child has swollen gums, you want to find out the cause as quickly as possible. Swollen gums can be a sign of a serious dental problem like gum…Read Full Article
Children deserve a special dental office—one that can provide high quality service in a fun and relaxed environment. Kool Smiles is a nationwide network of dental offices that treats children. All…Read Full Article
Tooth enamel protects your teeth from chewing, biting, crunching, and grinding. Although enamel is a hard protector of teeth, it can chip and crack. While enamel damage can be prevented,…Read Full Article
If you notice that your child has bleeding gums when they brush or floss, this could be a sign that they have gum disease (gingivitis). Gingivitis causes irritation, redness and swelling of your gums. However,…Read Full Article
If you are searching for a nearby dentist for your child, there is likely a Kool Smiles in your neighborhood. Simply put in your city and state or zip code,…Read Full Article