Family Dental Insurance 101

Yes, you read that right! If you're a new baby or toddler in the United States, there's a pretty good chance your parents have dental insurance through their employer. Now that baby teeth are starting to come out and everyone needs those shiny white smiles for their pictures, it's a great time to start putting together a Dental Savings Plan. And don't forget about your older sibling! Start now by learning all the ins and outs of family dental insurance. With the help of this guide, you'll never be without dental care again!

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The "WHY" of dental insurance in the United States

The Affordable Care Act (ACA) has changed many things about healthcare, including healthcare benefits. The ACA allows individuals under the age of 65 to purchase health insurance through their employers, and it is now free for everyone. You can find out more at: http://en.wikipedia.org/wiki/The_Affordable_Care_Act.

In addition to open enrollment, you may also be eligible for dental insurance if you are enrolled in a government-sponsored program that includes dental benefits. This includes but is not limited to the following:

Medicaid

Military Health Benefits (Tricare)

State Children's Health Insurance Program (SCHIP) 

Temporary Assistance for Needy Families (TANF)

Supplemental Nutrition Assistance Program (SNAP) 

Veteran's Administration Health Benefits

 In the United States, most privately held dental plans do not cover 100% of your dental expenses. The average reimbursement rate is between 50%-60%.

Here are some interesting facts about dental insurance in the United States:

A large number of American families (over 60%) have dental insurance coverage as part of their health plan. Many more families subscribe to dental coverage through employer plans or through other private health plans. 

Half of children’s parents and a third of all adults’ parents have dental benefits through their employer. 

Health benefits coverage in the United States is the most comprehensive for any developed country on earth, providing comprehensive health care through medical, optical, and dental plans with varying levels of reimbursement for procedures ranging from routine checkups to major oral surgery or orthodontic work. 

The highest reimbursement rate is 70%. 

76% of Medicaid beneficiaries have dental benefits. 

Dental plans cover everything from cleanings and x-rays to tooth extractions, crowns, bridges, and dentures. 

You can learn more by visiting these links: http://www.zocaloweb.net/health_insurance_info_540141.htm#1 and http://www.zocaloweb.net/health_insurance_info_540141.htm#2

In the United States, most dental plans are supplied as a part of an employer’s health care benefits package. This can include a savings account, where the employer contributes money to either your account or your spouse’s account, and you can use that money to pay for dental visits. The amount of the contribution is up to the employer, so if you’re hoping to have a large dental savings account then you need to work for a company that provides these benefits. There are also plans where the employer and employee split the cost of coinsurance and deductibles, meaning each party pays part of the fee for services received. Some plans provide discounts on services for preventive checkups or treatments that require ongoing maintenance. In these cases, the patient pays part of the cost for their care and not 100-percent of the fee. This is where dental insurance can be very appealing to consumers.

There are a couple of different ways you can obtain affordable dental insurance in the United States. The first is through your employer. If your employer provides some type of health care coverage, then you may have access to dental benefits as well. This is because they're offered by your employer or their company's medical plan provider, so it's generally included for no extra charge. As long as you maintain a full-time job and pay your required portion of the premium, you will receive comprehensive dental coverage at no additional cost to yourself or your family.

The second way to get dental coverage is through other forms of health insurance. As mentioned above, the ACA provides you with access to affordable health care through your employer or through government programs such as Medicaid and Medicare. These plans cover all of your costs for primary and preventive dental care, which is an important benefit because you can save money on regular visits and avoid the possibility of expensive work that requires more maintenance.

If you need assistance obtaining affordable dental coverage in the United States, call (855) 782-7662 today. Our specialists offer competitive pricing on a variety of insurance options to fit your needs.

National Association of Dental Plans (NADP) - http://www.nadp.org/

National Association of Dental Plans (NADP) - http://www.nadp.org/

The National Association of Dental Plans is the national organization for dental plans and works to increase awareness of the benefits of dental insurance. The association also tries to establish a standard of dental care in the United States. 

Dental Action for Americans - http://www.dentalactionforamericans.org/

Federal government subsidizes dental insurance for low income families, but they may not have access to other services such as prescription drug coverage or mental health care coverage (Medicaid).

In Germany, dental insurance is mandatory for families and individuals that are employed. Most of the plans include a fixed contribution from the employee and the employer, as well as a deductible amount to be paid by the patient. There is no maximum for how much one may claim per year and dental care is mostly free at the time of treatment. The dental insurance covers general treatments such as fillings and examinations, but also covers dentures, crowns, bridges and orthodontics.

Dental treatments in Belgium are financed through compulsory health insurance. An insurance company is mandated by law to offer a basic dental benefits plan for its insured, although companies may offer plans with various levels of coverage.

The National Insurance Act dates from 1927, and the Health Insurance Act from 2004. The costs are shared between employers and employees through a requirement that each employee contribute 2% of salary to a social security fund.

In Slovenia, dental care is offered through the Slovenian health insurance companies that must cover dental treatment at all levels, except financially in case of severeon grounds defined by the National Health Insurance Fund. Dental care is usually paid only by the fund's member directly to the dentist. However, there are recognized non-profit associations that may organize other ways of payment for their beneficiaries..

Conclusion