Dentists are required by law to carry disability insurance. This coverage pays for the cost of necessary dental care that is provided to you when you become unable to eat, talk, or perform other ordinary activities of daily living. In order to be eligible for this insurance, you must have undergone oral surgery that has been covered by a prior dental plan.
There are many different types of dentists disability insurance plans available. These plans are usually referred to as “comprehensive benefit” plans. They cover the most common dental procedures and treatments that are needed in order to maintain your teeth and keep them healthy. Some of these dental procedures are very costly, such as braces, dentures, veneers, root canals, bridges, crowns, and more. These procedures are often covered even when the procedure is not done due to the high cost involved Dentists disability insurance.
Another popular type of insurance is through “fee for service” plans. These plans pay a portion of your medical bills, but the rest is covered by the insurance company. These plans are usually less expensive than comprehensive plans, because the company does not have to pay for the entire procedure. However, there are some fee-for-service plans that will require the patient to have annual office visits.
There are also Health Savings Accounts (HSA) that have plans that pay 100% of the expenses. Most people do not think about health savings accounts, but they can be a good source for this insurance. Many employers offer their employees this type of insurance. If you have an employer that offers this type of plan, it is always best to ask your human resources department if you are eligible for any of their plans.
In addition to dental plans, there are a lot of other pre-arranged policies that you may want to consider. For example, there are policies that cover the costs of vision care if you become unable to see well. If you are a caregiver for someone who has a chronic illness or if you are a family member and your dependents are living in a home with a physical disability, you may need a policy that covers things like home health care, adult day care, assistance with daily personal care and transportation, etc. The benefit options vary from company to company and from plan to plan. You should always contact an agent or representative of the plan you are interested in finding out all of your available options.
Before choosing a plan or paying for insurance, make sure you understand all of the terms and conditions associated with it. Many times, it is tempting to just sign up for the least expensive plan or the plan with the most coverage. However, you should always consider the long term impact this decision will have on your financial well being. Take your time to read the fine print and you should end up finding a good deal on great dentists disability insurance.