Insurance

Insurance can be very helpful. It encourages people to seek dental care when they might otherwise postpone a problem. If you have dental insurance the least thing you should do is get regular check-ups, if not every six months then at least once a year. As a rule almost every insurance company I have ever dealt with over twenty five years pays for check-ups. The reason they do this is that it is generally inexpensive for them and they don't want you to have to get a root canal any more than you do. Root canals cost a lot more than check-ups.

The number of types of insurance plans has multiplied. They differ in deductibles, which is the amount you pay before the plan kicks in, maximums per year for each covered family member, and percentages of each procedure covered. Most plans I have worked with cover eighty to a hundred percent for check-ups, fifty per cent for crowns, and fifty to eighty per cent for root canals, for example. A typical plan pays up to a thousand dollars per year per family member. Unfortunately, this doesn't go very far if you have multiple root canals and/or crowns.

• Is it possible to have more than one insurance to cover Dental work and how efective are dental discount plans?
  
  

Is it possible to have more than one insurance to cover Dental work and how efective are dental discount plans?
Many married couples have two insurance carriers, and as a rule the two will combine to pay the whole bill. This is changing, however. Sometimes, once a primary carrier pays the other will opt out. But this is not the rule. There are too many discount plans for me to comment, other than to say some are decent and others are fraudulent--very.