Dental Insurance Options For The Self Employed
As any Michigan consumer will tell you, the need for dental insurance is a must. Michigan dental insurance is bought to offset the costs associated with dental care. The mere thought of out-of-pocket expenses prevents many Americans from receiving routine and necessary dental treatment.
On average, visits to the dentist cost anywhere from $150.00 for a regular hygiene checkup, to over $1000.00 for serious treatments.
In the state of Michigan, options are available for consumers who seek dental insurance coverage. Obviously, for individuals who have group coverage, then their needs are met. But for the self employed individual, or consumer who receives no benefits, you do have choices.
Various dental plans are available for consumers that are designed to help keep costs down and offset prices associated with regular and emergency dental care. Now, these plans do have limitations on numbers of visits, X-Rays, etc. Added to that, some services may be excluded from covered expenses.
Dental insurance in Michigan includes plans like these:
• Network Plans – Considered to be the most popular, when consumers chose a network plan they have to choose a dentist within their certain network. By doing this, you accept the network price, which usually is very affordable.
• Indemnity Plans – An indemnity plan allows you to select your own dentist. Considered fee for service, majority of these plans have co-pay options. So in turn, you pay a flat fee for your visit, but with an annual limit on coverage
• PPO – PPO Michigan dental plans are limited to a group of specific dentists who are available to provide dental care at a reduced cost.
Another popular option within the state for coverage include Michigan discount dental insurance plans. These types of programs work differently than the insurance plans mentioned above. First, a discount plan does use a network of providers. However after that, the plan differs tremendously for consumers. A discount plan has no maximum amount of benefits for a deductible year. The plan works with an agreeable amount for each service that both you and your dentist agree to within the plan. This can never change, and again their is no limit on benefits.
These discount plans are also administrated by some of the top insurers in the country. That is a concern when discussed, is who administrates the benefits?
Rest assured, their are choices and more importantly affordable choices for Michigan consumers who seek dental insurance. It all comes down to personal preference, as insurance programs and discount programs can fit each individual differently.…