Student Dental Insurance « Health Insurance Advisory

Student Dental Insurance

Author: Administrator | Apr 23 2011 | stu-medical-ins, Student Dental Insurance

Having full coverage dental insurance is essential to maintaining overall total health. With many types of plans to choose from, it is easy to secure a student dental insurance plan that fits your budget. Studies show that students without full dental coverage usually skip preventative dental care and only visit the dentist only when there is a problem.

Why put your teeth and gums at risk when the cost of preventative care is a fraction of the cost of restorative dentistry?

Cost of  restorative treatment is more expensive than preventive care

Average Cost of Common Dental Procedures Min. Cost Max. Cost
Exam & Cleaning $86 $110
Complete X-Ray Series $123 $171
Filling $119 $181
Root Canal $1,315 $2,351
Crown $1,144 $1,443

The Coalition for Oral Health, representing a wide spectrum of oral health associations, reported that $1 spent for prevention saves from $8 to $50 in restorative care!

Benefits of Student Dental Insurance

Students purchase full coverage dental insurance for many reasons, including:

1. Financial protection – without some form of dental insurance to help cover the expense of dental care, the cost of paying for expensive dental procedures, such as restoration, surgery, endodontic and periodontal services is simply not affordable.

2. Maintenance of a healthy mouth and overall wellness – studies show that regular dental check-ups and cleanings help promote overall health. That is why most individual dental insurance plans pay 100% for a routine exam and cleaning every six months.

3. Prevention – a student dental insurance plan makes the cost of preventive care more affordable, so you do not have to put off dental care until you have a problem.

Student Dental Insurance Plans – covered dental services

1. Preventive: cleaning, exams, sealants and fluoride treatment

2. Diagnostic: bitewing x-rays and full mouth x-rays

3. Basic: fillings, simple extractions and repairs

4. Major: oral surgery, periodontics (treatment of diseases affecting the gums and supporting structures), prosthodontics (replacement of missing teeth and related mouth or jaw structures by bridges, crowns, dentures or other artificial devices) and endodontics (treatment of diseases of the dental pulp, tooth root, and surrounding tissues, including root canals)

Some student dental insurance plans have waiting periods, while others may increase the percentage the dental insurance policy pays toward covered dental services every year you have the dental insurance plan.

Types of Full Coverage Inexpensive Dental Insurance

There are several types of individual and student dental insurance plans, including:

  • Dental Preferred Provider Plans
  • Dental Maintenance Organization (DMO) Plans
  • Scheduled Reimbursement Dental Plans
  • Discount Dental Plans

Indemnity Dental Insurance

These are “traditional” dental insurance plans where the dental insurance plan covers a percentage of your dental expenses. Since there are no network providers, dental services can be obtained from any dentist.

After you satisfy the deductible, the dental insurance plan generally pays for covered services up to an annual maximum, usually between $1,000 and $2,000. Indemnity dental insurance will pay based on the Reasonable and Customary (R&C) expense. That means if your dental provider charges more than the R&C expense, as determined by the dental insurance company, you will be responsible to pay the difference. Additionally, student dental insurance may have waiting period(s) for certain services.

Dental Preferred Provider Plans (PPO)

Although, generally less expensive than indemnity dental insurance, PPO (Preferred Provider Organization) dental plans work very much the same way. They also offer the option to obtain dental care from a network provider. Since the dental insurance company has negotiated discounts with participating providers, you pay less for dental services. While students can also seek treatment from dentists outside of the PPO, they will generally be responsible for higher deductibles and/or co-payments.

Just like indemnity dental insurance, benefit payments made by the dental insurance plan can be paid to you or directly to your dentist, if you assign them. Reasonable and Customary, however, does not apply when dental services are received from a network provider. That means your dentist cannot bill you for the difference between the negotiated rate and his/her retail charge for the services rendered.

DMO Dental Insurance

These dental plans, also called DMO’s, operate the same as health maintenance organizations. As a result, they maintain a much smaller network of dental providers because DMO’s pay a set fee each month to the participating dentist you select.  DMO plans reward participating dentists who keep patients in good health and keep plan costs low. The premium for a DMO dental plan is generally the lowest of any type of dental insurance plan. Your out-of-pocket expense for dental services is also less too. However, the trade off is less flexibility because there are much fewer dental providers to choose from than traditional PPO dental plans and care must be rendered by the dentist you select.

Scheduled Reimbursement Dental Plans

A scheduled reimbursement dental plan pays a fixed dollar amount based on the fee schedule that appears in the dental insurance policy. This fee schedule lists a wide range of dental services and shows exactly how much the dental insurance plan will pay you for each service. Most scheduled dental plans include a deductible and calendar year maximum. Some have waiting periods for certain procedures. You are responsible for paying your dentist the difference between what the dental insurance policy pays and the amount of your dentist’s actual charges.

Dental Discount Plans

Discount dental plans are not insurance. They simply provide discounts for a wide range of dental services when care is obtained from a participating dentist.  Health discount plans represent a great value and alternative if you do not have or cannot afford student dental insurance.

At healthinsuranceadvisory.org, we offer a FREE health discount plan. This program provides significant discounts on prescription drugs, dental expenses and vision services at major chains and local providers across the country. No enrollment, membership or monthly fees. Use it immediately. There are no usage restrictions and you are not required to provide personal information to get one!

Start saving today. You will realize discounts up to 65% on prescription drugs, 25% to 40% over usual charges for dental services and 10% to 50% off eyewear, contact lenses and exams. Download and print your FREE health discount card now!

Healthinsuranceadvisory.org can also help students find and secure student medical insurance.  Let us help you save money today!

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