More than half of all Americans don’t have dental insurance and are going without this form of coverage. The issue with not having dental insurance is that the price of dental care can add up pretty quickly. On average, the cost of having a simple one-tooth crown or cap placed in your mouth is roughly $1,000 from start to finish. This high price is made even worse when you don’t get any help paying for the procedure. Most dentists don’t offer payment plans to their patients, so you are on your own when it comes to paying for everything needed. If you’re living in the state of Utah and don’t have dental coverage, you’re not alone. The majority of Utah residents don’t have insurance on their oral healthcare and either forgo the dentist altogether or are forced to pay out-of-pocket.
Importance of Dental Insurance
It’s easy for you to forgo the dentist when there’s nothing wrong with your teeth. For instance, it’s effortless to scoff at going for exams, x-rays and cleanings when nothing’s bothering you. However, the moment you begin to experience tooth or oral pain, you will need to see a dentist immediately. If you put off going to the dentist when there’s a problem, it’s only going to get worse and could cause an abscess, which is an infection underneath or next to the problematic tooth.
Types of Coverage Plans in Utah
For those living in Utah, there are three different types of dental insurance plans that you can choose from. When it comes to deciding which plan is best for you, it is all about what you can afford and which option fits your needs.
Indemnity plans are the most popular option because they allow patients to choose their own dentist. You will pay for the procedures out of your own pocket at the time of service and afterward, the dentist will submit a bill into the insurance provider and you will receive money back. The issue with indemnity plans is that it can be difficult for patients to pay for their work upfront and wait to be compensated. As with most other plans, it is important to find out about the deductible required and fee schedule set by the provider. In Utah, Nationwide and Delta Dental both offer indemnity plans to residents.
PPO plans, or Preferred Provider Organizations, allow you to work within a select group of dental offices set by the company. You will have a deductible each year that must be met before your insurance kicks in. PPOs also have a cap limit each fiscal year, which prevents people from getting thousands upon thousands of dollars worth of work done in a 12-month period. Most employers in the state of Utah offer these specific types of plans and provide a discount for offering their coverage. Ameritas and HumanaOne are two of the most popular providers in the state of Utah offering PPO plans.
Discount plans are ideal for individuals who don’t want a deductible or cap limit. After you sign up for the policy, you’ll receive a discount card in the mail and work within a select group of available dentists. The dentist will then give you a discount for the work that you are having done. Along with almost every other type of insurance plan, you’ll need to pay a monthly or annual fee to keep this coverage. For those living in Utah, Patriot Health is the most popular provider offering a dental discount plan.
Signing Up for a Plan
Signing up for a plan is effortless and your coverage will start almost immediately upon creating an account. Keep in mind that you will need separate plans for different people in your family. For instance, just because you sign up for a PPO plan through your employer, this does not mean that everyone in your family is covered. Each individual person needs to have their own policy and will pay separately to be insured. While it can sometimes feel daunting to get dental insurance and confusing if you don’t know the sign-up procedure, it is a necessity when it comes to saving money on all of your required dental care.