Student Dental Insurance- affordable full coverage protection « Health Insurance Advisory

Student Dental Insurance

Student Dental InsuranceHaving student dental insurance plan is essential to maintain proper health and financial well being. Studies show that students without full coverage dental insurance are likely to see a dentist only when there is a dental crisis.  Unfortunately, skipping preventive exams, cleanings and x-rays usually results in major dental problems down the road which are costly to treat and put teeth and gums at risk.

According to the American Dental Hygienists’ Association, oral health is a critical component of total health. Recent research has linked periodontal disease to heart and lung disease, including other systemic diseases. Dental caries (decay) is the most common chronic disease nationally affecting 84% of 17 year olds. Fortunately, caries is preventable through the use of fluoride and dental sealants and is less than half the cost of one silver filing.

Restorative treatment is more expensive than preventive services

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 one-dollar spent for prevention saves from eight to fifty dollars in restorative care!

Can Individual Dental Insurance Benefit You?

Individuals and students purchase full coverage dental insurance for several reasons, the most common being:

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. Maintain a healthy mouth and better overall wellness – studies show that regular dental check-ups and cleanings help promote overall health. That is why most student dental insurance pays 100% for routine exams and cleanings every six months.

3. Prevention – from fluoride treatment to sealants and braces, student dental insurance can help make the cost of preventive care more affordable.

Full Coverage Student Dental Insurance – Covered Services

Most individual and student dental insurance plans cover the following 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
  • Endodontics – treatment of diseases of the dental pulp, tooth root, and surrounding tissues, including root canals

Some individual and 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 Individual and Student 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 network 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!

If you are like most students, you are also searching for affordable temporary medical insurance or low cost medical insurance.  Let healthinsuranceadvisory.org help you save money today and secure the coverage that meets your financial budget.  Get a quote and apply online today.

Student Health, Dental and International Medical Insurance Plans

  • Student Medical Insurance

    What would you do if a sudden, unexpected illness or accident were to occur? Do you feel medical insurance is not necessary or too expensive because you are healthy? Lack of medical insurance may limit your access to healthcare services which could affect your ability to quickly and completely recover. Additionally, expensive medical bills could put you in debt and ruin your credit too.

    Several options exist for affordble student medical insurance.  They are summarized below:

    Student medical insurance alternatives

    1. Short term medical insurance

    Commonly rerfered to as “affordable temporary health insurance,” these medical insurance plans are designed to provide healthy individuals with 1 to 12 monthis of coverage.  They are great for recent graduates who need interim medical insurance.  Since short term medical insurance plans provide comprehensive coverage, it is similar to having an individual major medical insurance plan that pays for physician office visits, lab, x-ray, surgery and hospitalization.  Some many short term medical insurance plans cover prescription drugs and even preventive care services, such as mammograms and pap smears. Although you can reapply for short-term medical insurance once your policy expires, if you anticipate needing coverage for more than 12 months or have a serious or significant pre existing condition, your best alternative is an individual major medical insurance plan.  Get a quote and apply online today.  Coverage can begin as early as tomorrow.  It is fast, east and convenient!

    2. Individual Major Medical Insurance

    For students who do not have access to coverage under their parent’s medical insurance policy and need a permanent solution that provides comprehensive coverage, an individual major medical insurance plan is the best alternative. The new healthcare law, called the Patient Protection and Affordable Care Act,  mandates individuals less than 19 years of age cannot be declined by health insurers and pre existing conditions must be covered.  This requirement is applicable to both employer sponsored group health plans and individual major medical insurance plans.  Young adults age 19 and older, however, can be medically underwritten for an individual major medical insurance plan. This means they can be declined and coverage for a pre existing condition may not be covered until 12 months of consecutive coverage under the individual major medical insurance policy.

    3. Limited Benefit or Mini Med Medical Insurance Plans

    Often considered the “cheapest health insurance,” this type of medical insurance serves many purposes.   Limited benefit or mini med plans can be an alternative for individuals, such as students, who have a very limited budget.  They are also an option for individuals who have a pre existing health condition and cannot qualify for an individual major medical insurance plan.  That is why these medical insurance plans are also referred to as “health insurance for pre-existing conditions” and “guaranteed health insurance.” Since applicants are generally not required to answer health questions, most individuals will qualify for a policy.  Benefits for pre existing conditions, however, are generally not paid until the insured remains covered under the medical insurance policy for 12 consecutive months. Also, the benefit payments for covered service are fixed.  This means the policy will pay you or your healthcare provider (if you assign benefits) the stated dollar amount shown in the policy, regardless of how much the healthcare provider charges for his/her services. Since these payments are not based the healthcare provider’s actual bill, these medical insurance plans are considered supplemental.  They are not desiged to replace major medical insurance.

    An advantage to limited benefit, mini med and guaranteed health insurance plans is you will have a medical I.D. which will allow you access to healthcare.  Without a medical I.D. you will likely find yourself with limited choices for healthcare providers.  Think about it.  What is the one of the first questions that a healthcare provider asks when booking an appointment, “Who is your medical insurance carrier?”  To view the rates and benefits for this type of medical insurance plan, get a quote today. You can even apply online.  It is quick and easy.

    4. Dependent Coverage under Parent’s Medical Insurance Policy

    Under the new healthcare law, young adults less than 26 years of age can remain covered under their parent’s medical insurance plan, regardless of their student status, employment or marital situation or place of residence.  Previously, covered dependents generally aged off their parent’s medical insurance policy when they turned 18 or 24 if a full-time student.  This new mandate is applicable for both employer sponsored group health plans and individual major medical insurance plans.  For more information, check with your parent’s health insurer.

    5. State Children’s Health Insurance Plan

    On February 4, 2009, President Obama signed the Children’s Health Insurance Bill. This government medical insurance plan will enable states to cover more than four million uninsured children by 2013, while continuing coverage for seven million youngsters.  There are certain eligibilty requirements that apply, including age and income.  To learn more about the State Children’s Health Insurance Plan in your state, visit the goverment medical insurance plans section of our site.

    Pre Existing Condition Insurance and High Risk Pool Plans (PCIP)

    6. Pre Existing Condition Insurance Plan (PCIP)

    The PCIP is a new program under the new healthcare law. It is administered by either states or the Federal government. The PCIP may help if you are unable to qualify for individual major medical insurance and meet the following qualifications:

    1. Uninsured for at least six months
    2. Have a pre existing medical condition(s), and
    3. Have been denied coverage (or offered insurance without coverage of the pre existing condition) by a private health insurance company.

    The PCIP covers major medical and prescription drug expenses. You are responsible for paying premium, deductible, copayments, and coinsurance amounts. The PCIP will not cost you more just because of your health condition.  Unlike Medicaid, eligibility for the PCIP is not based on income. Visit your state’s specific medical insurance page within healthinsuranceadvisory.org for more information regarding the PCIP.

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


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