4 Dental Plans That Are Not Equal for Individuals and Families

We know what you’ve been up to Hansel and Gretel. You couldn’t keep your sticky fingers off the candy house, and the wicked witch saw you! She’s boiling mad, and she’s out to get you. Now, don’t worry about becoming her dinner entree-she’s gone totally vegan. But, you’re not off the hook. She put a tooth decaying spell on all those goodies you ate off her house. And now you’re going to need a dentist, along with a great dental plan.

Sure, you feel played. She lured you in, and now you need to fix your forest faux-pas. You’ll be alright. There are bound to be some great dentists in your neck of the woods. But what dental plan should you get? Achieve Financial Group can tell you about 4 tasty options for dental plans:

  1. Direct Reimbursement Programs– A patient is reimbursed a fixed percentage of the total cost for their dental care. This applies to any treatment category and can be used for any type of dental procedure performed on the patient. Patients are allowed to choose any dentist they would like and they’re encouraged to cooperate with the dentist, so they will ultimately have healthy teeth.
  2. Usual, Customary, and Reasonable” (UCR) Programs- Patients can choose the dentist they would like to go to. With this plan, dentists are paid a specific percentage of their fee or the plan administrator’s “reasonable” or “customary” fee limit. It will depend on what the lowest cost is. These limits reflect the contract between the purchaser of the plan and the third-party payer. They’re called “customary”, but they may not indicate what the actual dentist’s fees are.
  3.  Table or Schedule of Allowance Programs- This is a list that informs patients what dental services are covered, along with the associated costs. The dollar amount on the list is how much the plan will cover for the treatment. This amount is fixed no matter how much the dentist’s fee is. Whatever the difference is between the allowed charge and the dentist’s cost will be charged to the patient.
  4. Capitation Programs- These programs contract dentists to pay them a fixed amount on a scheduled basis for each family or patient enrolled in the program. In exchange, these dentists don’t charge these patients for specific treatments, unless the patient is responsible for a co-payment. The premiums that are paid to dentists who participate in these programs may by significantly different from the costs of the patient’s dental procedures.

As you can see, when it comes to picking candy from a witch’s side window, she’s just not going for it. But don’t get your “fillings” hurt. You know your choices for dental insurance, so choosing a dental plan is a piece of cake!  #AchieveMore

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