Dentist Explains How to Choose Dental Insurance? | Which Dental Insurance Is Best? | Dr. Nate
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- Опубликовано: 20 июл 2024
- Choosing dental insurance can be tough. There are so many variables that make it tough to make the proper insurance decision.
Many people are choosing their coverage right now, so I thought it would be appropriate to give you a little run down on the pros and cons of PPO/HMO and Delta Dental vs. Humana.
Sometimes dental insurance may not be worth it. If you do not have any dental issues and go regularly, insurance may not be worth it. An in-office plan like we have a Thrive Dental is likely your best option.
In this video, we go over:
1. The difference between PPO and HMO
2. What's a deductible, annual maximum, and waiting period.
3. Difference between Delta Dental and Humana.
4. What is an in-office dental plan?
5. Which dental plan is likely best for you!
To get a full blog about dental insurance, check out:
thrivedentist.com/2020/11/21/...
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Dental Insurance
1 PPO VS HMO
PPO most people get, choose any dentist
HMO is different, you have to go to their dental that they choose.
2 look out for Deductible.
Is how much you pay before the insurance kicks in.
Higher the deductible, the lower your cost of insurance.
3 look out for annual maximum
Some has 2000 5000
This is what you can use per year and it renew by the end of the year, so use it before the year ends. If you don’t use it, you lose it.
4 check waiting periods
When you get insurance, you have to check to see how long it kicks in, some times you have to wait 6 months to a year before you can use your insurance.
Usually the Orthal Benefits
5 check how much your insurance covers, some covers half or 80% for a filling.
You may need deep cleaning, crown or a bridge, you may have to pay a little more.
They may have an age limit.
Get adult Orthal coverage.
6 Dental insurance cost
$50 monthly depending what your looking for.
7 delta dental
Largest provider, 150 practicing dentals around.
8 Dental care usa
Premium will be low but waiting time is long.
9 Delta Dental PPO
Is his company.
Good coverage, fillings, crowns, good percentage coverage.
They claim 60% off treatment
10 is dental insurance worth it.
It depends how much you come to the dentist.
If you only go for some cleaning, few stuff per year, it’s not worth getting insurance. If you go a lot, then yes.
Your welcome
❤😂
Thank you!
THANK YOU
You told me everything I needed to know ! Thank you so much 🫶🏽
Thank you so much
My dentist wants to charge above the negotiated rates for crown work. This is the 3rd dentist that rejects doing the work for the rates set by the insurance. Although in-network, they aren't willing to do the work as they don't make the expected margins. I don't mind paying a small % above the rate but their markup is way above the insurance rates.
You can go online and check the fee estimator. Delta dental and Met life have that capability. I have done this for 24 years and the dental insurance is not your friend. The insurance is a for profit business, so they are looking at their bottom line. I know this sounds crazy..but sometimes self pay is the best. Pay yourself and not the insurance company.
I agree
Caps cost to the dentist last year was under 50 dollars. I found out, they spike those charges up. I don't know if their practice is new or few patients with bigger needs, but it makes me ill when I pay 1,400 for a cap that is too much, a temporary is made in the office so it's not costing much
Thank-you for creating this helpful video!
Thank you so much Dr! I am a Dental Assistant making a switch to the front desk as a Administrative Dental Assistant. This has been very helpful!!!!! Specially understanding the difference between insurances, and explaining to patients.
Am starting to mild billing too.
It been a lot of help this video 👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻
Glad I could help!
I made the mistake of not researching DVH plans so my insurance agent talked me into one for $57.10 per month, $785/year with $100 deductible paid each year with a max of $5,000 covered services.
After I received the plan details in the mail I canceled the policy the next day.
The insurance agent didn't mention the waiting times for coverage and the percentage of coverage per year for the first few years. Max coverage for major dental services is only 60% after 4 years. Max for vision is $200 for a 2-year period. Max for hearing is $500 per year after the first year.
DVH plans are absolute ripoffs if you can self-insure for worst-case scenarios and know how to be as healthy as possible. Most people are too stupid about healthy living.
How many years of $4,300 dental services will you need in the next 20 years? For most people, very few if any. Any charges above $5,000 in a year are not covered.
This video was much needed, thank you’
I like the way you smile while talking about serious things Nathan 🙂
Lol. Thank you
I wish I was this good looking
very informative, thank you.
This is great, thank you so much!!
You're very welcome!
Very helpful and very friendly. Thank you. :)
Glad it helped!
Thanks for the video very informative 🤙🏻
No problem 👍
This is great video I learned a lot.
Great video!!!
Best explanation ever!
Glad you think so!
Wow great information thank you!
Just got out of college and I have an amazing job. This video was extremely helpful when I was setting up my dental benefits. Never been to a dentist a day in my life. Thank you ❤️🥹
Insurance is prepaying for up to half. Usually a wash in short term. It’s best for biggest expenses.
Very helpful! Ty!🙏🏽
This was such a helpful video, thank you! Also, do you think there's a point where you're too old for dental school, realistically? I might not get in until I'm in my late 20s, and that makes me nervous.
Lol. Definitely not too old. We had people in their 40s just getting into school.
Will grants cover or financial aid mostly. Not working at the moment
Cigna offers adult Ortho, seen maximum benefits anywhere from 1k to 4k.
I'm going to need a couple of root canals and bridge work. I talked to a Humana rep that recommended their $17 value plan.Dou you agree or know of a plan I should go with at least until my major procedures are done? Thank you.
I would go with their highest plan because you need a lot of work and then switch to a cheaper one once your work is completed.
Question: I am currently with GEHA. My orthodontist is 30 percentage co-insurance. My deductible is 0 dollars. PPO is high. I am trying get braces. Does that mean I pay 30 percentage of braces before my insurance paid. ? Thanks in advance .my annual is 3500.
How do I go about finding a local dentist that has an in-office dental plan? Do I just have to call a bunch of dentists and ask?
Thank you so much Dr! I am a Dental Assistant making a switch to the front desk as a Administrative Dental Assistant. This has been very helpful!!!!! Specially understanding the difference between insurances, and explaining to patients.
Any thoughts on GEHA High Option Dental Insurance?
Thsi was very helpful!
Glad it was helpful!
Thanks for the vid
Helpful. Thank you . 😁
Glad it was helpful!
QUESTION . MY KIDS NEED BRACES AND THEY HAVE DENTAL INSURANCE BUT DOES NOT COVER ORTHRO . WHATS THE BEST INSURANCE I CAN USE?
hello everyone I hope all is well!! please help I need to get my back bottom tooth pulled and I want to be put to sleep! which dental insurance will cover that? I live in va if that helps.
I am someone with generally good, oral health in need of a couple of fillings and cleanings is that covered under an HMO, or is there a co-pay for that?
😂 He said he doesn’t know where they get those numbers 😂
Okay so I should pay the higher monthly rate ?
Thank you!
I just used my delta dental insurance policy I pay $34 a month and they covered almost $600 towards a root canal and crown. Sad so many don’t have dental insurance in the usa.
Is that through Blue cross insurance ?
We have Delta Dental $48 for a couple monthly ($576/yr), covers 4 cleanings ($800 in NYC), plus a bit on other things. It’s worth it for us.
@@carolinam5690 Google delta dental.
Thank You Thank You Thank you
I want to get Delta Dental insurance PPO because I need to get wisdom teeth removed, but their highest premium has an annual deductible max 1500 per year, but I don't know if it falls under the 18 month ortho or the 12 month major service. Either way, I need these one removed asap, but idk what to do. And my Delta Dental deadline to enroll is until November 19th 😫.
Wisdom teeth extractions more commonly fall under basic services very rarely under major. Depends on plan by either your employer or individual. Either way always chose an in network dentist! Helps lessen out of pocket cost
I'll take them out for 5 bucks a tooth in the back of my El Camino
My Husband has dental insurance with Delta Dental. He has Braces but told me they don't cover orthodontic treatment because he is an Adult. What do you advise? Should he go with another Delta Dental insurance plan? He only told me this, he has had braces for 2.5 yrs. Any advice? Thank You.
Yes try to get an insurance that covers adults and work in progress.
Oh thanks. Now I can go shop my insurance 😁
Lol. Love it.
What is the good coverage? I have broken and decayed teeth. I had an examination, but the cost of treatment is very high. I do not have coverage
Thank you
Dont get Delta. Ive had Delta for about 15 years. If i got back all the money I ever paid them then that would cover all dental work Ive ever had done. Don't waste your money on Delta. I don't know if there is something better since I pay delta through my employer. You actually are better off just getting rid of Delta and taking the weekly/monthly premiums and putting them into your own account. And im not having $5000 dental surgery just normal teeth pulling. A $1500 a year maximum cap and they might cover 60% of the bill. Thats like trying to feed a tiger with a cheeseburger. Not nearly enough. finally got tired of it after i had to cancel my last dental appointment to remove 2 molars because the insurance would barely cover half the cost.
"Delta Dental is simply the best, which is why 60 million Americans make them their choice for dental insurance." If that statement is really true than thats the sorriest statement about the dental insurance industry. Done with it.
Which one do you suggest?
It’s rediculous $1000 or $1500 maximum benefit? That could be one or 2 teeth
Delta is like a barely there insurance. You still pay a significant amount out of pocket for any dental service other than the 2 cleanings for each year.
@@ceuser3555 all above comments are TRUE FACTS.
Delta Dental succkkkks imo
They charge alot alot $$ coverage lil always in their favor. For major stuff crowns implants..bthry out fckkjnstupid " missing tooth clause" DD will not help u if got a missing tooth. will not cover crown or implant there that spot. same for lots other ins companies too.. they ALL suckk
but alot dentist's take only DeltaDental.
bc they make get most $$ back from DD.. but costs patients a ton of $$$ to buy.
I think the information you shared was really generalized. It would be amazing and more helpful if you open and compare few dental insurance policies
I agree with topthree @
Dr need more information on the different plans in depth seems like most are for people with minor to little work, so with periodontitis seems like a waste if dental doesn't cover that type of visit or surgical and high out of pocket defeats the purpose of insurance, like most insurance co. it's best nothing happens to you because if it does insurance is usually useless, USUALLY.
What are the best insurances with high payout and less out of pocket and lower deductible?
I’m sorry but what you asked for does not exist. The only way to get, let’s say a $2500 payout with a low deductible, would cost you at least $5k/yr to the insurance company, plus your deductible and co-pays to your dentist.
Then they have exclusions. Missing tooth clause: if you are missing a tooth when you get the insurance, they don’t have to pay anything towards replacing it. Now they have put in “natural wear and attrition” clause that says they don’t have to pay to fix teeth that wear down naturally.
It’s the greatest scam of all insurances. Be careful.
GEHA
@@truegrizzlesfan2292 GEHA’s best plan costs $3k/yr for $1500 of coverage…
I really need help with teeth but don't know were to turn on disability but don't qualify for medicaid not old enough for medicare.Dont have insurance. I'm desperate please help
I just want regular cleaning and ortho
What about if you have dual coverage?
What about no lifetime maximums and 50 percent for orthodontia? How much would it cover towards braces?
Ask your insurance how much is the lifetime max and that's likely what will go towards your braces coverage, not the percentage.
@@ThriveDentist can you explain that more? :/
how do you check the prices and everything on insurance? i have a lot of work i need to get done and then get braces but i really don’t know much
Your dentist will give you a full breakdown before any treatment is done so that would be step #1.
No they don't it's always the assistants / managers that tells the patients what the fees will pay. Dentists tell us nothing about pricing, never!!!!!
@@ThriveDentist If I have about 3 root canals and some filling and I'm thinking of getting braces too, which would be the best health insurance? Thank you for this video it's really helpful
@@ibtihalomar4011 When I had to have a lot of work done and then got braces I had a dentist office that offered insurance throught that office. I would try and call different offices that offer in house insurance where you can get all the work done in one office.
Hi I hope you still answerring comments, I visited the doctor yesterday, and looks like my one tooth need to treated, and it is called “root canal therapy, doctor need to remove nerve and clean canal. I dont have insurance now, what type of insurance should i get, or should I just pay by myself
Thank you in advance
What’s an affordable dental insurance plan for college students in Texas?
Best is getting work done at your school if possible. Not sure the most affordable plan though.
Perfect teeth
Would you recommend getting 2 different types of insurance?
Yes!
Delta Dental REEKS.
lol
Your teeth 🥰😁🤩
4:54 It's covered at a certain percentage, BECAUSE, you as a person are responsible for personal care(basically taking care of yourself to help prevent more damage). No insurance company is gonna pay high percentage rates because you decided to be a dirtbag. (hopefully through no fault of your own) I know this is a friendly layman's terms explanation video for people like myself and I hope nobody took it personally after reading my comment.
You need a BS degree just to understand those jokes
I cant stand this guy
Then don’t watch
Great video!
Thanks Jeff!