Supplemental dental insurance is a special dental insurance that is usually opted when the employers do not offer any such dental insurance; this is as an additional insurance that anyone can opt for. Usually, this type of insurance is offered by the employers at an additional cost. There are several companies who provide dental insurances for such individuals. People who fall in to an un-employed category or employed with no such insurance from their employer, have options to choose such insurance.
Again, supplemental dental insurance is not the primary dental insurance; but, it’s for lowering the costs associated with various dental needs and services which are not covered by the primary health or dental coverage. Dental insurance supplement plans are of various types and classified under few broad categories.
Usually a dental discount plan is for lowering dental costs by negotiating lower prices for their members while leveraging a large group of people. Discount dental plans only help to lower the cost of a dental insurance. People get good dental care and also save money at the same time. While paying, you need to show your dental discount plan member card, and get the discounted price exclusively for members. People can also avail discount dental plan at $5 per month as well.
Colleges offer such plans for students who usually do not get benefited with their normal health insurance. Usually, these discounted plans offer limited benefits on specific dental services including dental cleanings, tooth x-rays, fluoride treatments, fillings and some emergency dental treatment for pain relief. Generally, it gets covered by the supplemental dental insurance policy or requires a small co-payment. These student’s plans for supplemental dental insurance range from $125-$175 per student.
Provider network plan is quite popular and a preferred one. As in this plan, people can choose any dentist who is a member of the network and also have options to switch dentists at a fixed flat fee for any service provided.
It is an easy task to find a supplemental dental insurance. People can search it online or check some local insurance agencies offering supplemental dental insurance. Internet search helps to find good insurance companies as you get a number of choices and you need to choose one among them.