Dental Insurance Research Paper

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Health insurance has become main stream over the past couple of decades or so. Dental insurance seems to following the same trend. People are beginning to understand the importance of coverage for dental health and are willing to go for dental insurance as they understand that it will end up saving them money in the long-term.

Why is dental insurance important?

Dental procedures are usually expensive and can leave a gaping hole in your pocket. The reason for the significant cost of dental care is due to the expensive materials, equipment and skilled professionals involved in the treatment. Hence, some form of coverage in the form of Oral health insurance or dental plan is important.

What is the difference between dental insurance and dental plan? …show more content…
It is much more difficult to get a oral insurance policy as it requires a lot of paper work and time to get accepted whereas it is simple to obtain a dental plan.

You do not have to worry about deductibles and waiting periods in discount plan. Aninsurance policy would pay you partially or completely for any treatment you undergo whereas a discount plan acts as a discount card where you get a percentage off for each procedure you undergo at the dentist. The discount percentage differs for various dental procedures and cosmetic procedures are usually not covered. Claiming the amount for oral health insurance can also be bothersome as it requires lot of paper work and can take a long time to arrive. Discount plans are usually cheaper but also tend to provide smaller coverage than dental insurance.

A great disadvantage of both dental insurance and dental plan is that you can't combine policies together. This is unlike in health insurance, where a secondary insurance policy would combine with the primary coverage and further reduce the costs incurred by you.

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