Health insurance has been front and center in the news, and debated via political showdowns. It is no surprise then, with the changes in health care, that there are many questions or concerns amongst American citizens. Currently in the U.S., health and dental insurance are often offered or covered by one’s employer – both parts of an employee’s benefit package. If you are an individual or a family, knowing the facts about health dental insurance is vital.
Benefits of Using a Combined Network or Care Provider: One of the most popular and important benefits of having both health and dental coverage under one care provider or insurance company is lower cost. Not only is the cost lower for the consumer, but overall it is more cost-efficient for the insurance company, thus, passing the savings to the consumer. Each branch of health care, such as hospitals, therapists, doctors, and dentists, all agree to charge network prices. These are all predetermined prices.
How to Find in-Network Care or Care Providers: By using in-network health care, an individual or family covered by a particular Health Dental Insurance provider can save money. By using in-network care, the insurance company pays a majority of the cost of the medical services or care given to the patient. A member can also search their health care provider’s website to find in-network care clinics, hospitals, or services.
How to Find Providers that Offer Health and Dental Combined Coverage: Ideally, one’s employer or human resources department has access to an employee’s benefit package. This is the first place of contact to determine if you are eligible through your employer. One other way to find combined health dental insurance is by obtaining HMO (Health Maintenance Organization) or (DMO) Dental Maintenance Organization. Searching on websites will also result in numerous providers that offer health and dental.
Finding the right provider is important. Individual needs should also be considered – clinic locations, hospital reviews, type of care needed, and need for specialized cares or services. Do research and compare deductables, services, and overall satisfaction statistics. Choose provider that best fits your needs.