Dental insurance. Not the most exciting topic for most people.
Until you need it.
The fact is, many people regard dental insurance coverage as something “optional,” and while they feel they have to have health coverage, their dental work is not that important or pressing. And if you’re relatively young, healthy, and have no history of dental problems, dental insurance may indeed be a minor consideration for you.
However, the rest of us need some form of coverage, which is why dental insurance matters.
After the Tooth Fairy: Paying for Dental Treatment
Most of us are aware that medical care without insurance can be costly. Unfortunately, dental care can be expensive, as well. For example, according to one dental practice,
Dental crowns are used to repair teeth that have been badly damaged by decay or injury. As a dental restoration, crowns are pretty much the only things that save damaged teeth from extraction. They are also used to correct cosmetic imperfections.
They are also one of the most common dental procedures performed aside from cleanings and fillings. And the national average cost for a regular dental crown is between $1,100 and $1,500. However, the cost can vary depending on the type of crown chosen. Fees will also vary depending on any treatment you need before the final crown is cemented.
$1,500 is quite a bit of out-of-pocket cash for most people.
And this doesn’t include annual check-ups, cleanings, and the occasional filling or minor repair. Even an average annual cost of about $2,400 per year for your total dental care costs adds up to $200 a month.
On the other hand, dental insurance helps pay for all or a significant portion of dental care costs. And this can account for everything from routine cleanings to root canals. This becomes increasingly important as you have children and get older yourself.
Several dental insurance providers are available, and many of them are top-notch, highly rated, or affordable. But not too many are all three.
For employers who want to offer dental insurance options to their employees or workers who have choices for dental coverage, Principal dental insurance is considered one of the best.
Considering Dental Coverage with Principal Dental Insurance
Principal dental insurance coverage is available through employer-provided plans. While Principal offers a wide variety of dental insurance plans, the type of plan an employer can offer to employees depends on the employer’s contract.
And Principal has one of the largest dental provider networks in the country, which is an excellent benefit for employees. Among other things, this means that if an employer changes over to Principal from a previous dental insurance carrier, it’s quite likely that few employees will need to change their dentists as a result.
According to a resource page from Principal,
From comprehensive dental insurance to lower-cost options, you have the flexibility to personalize your dental insurance for you and your employees. And with multiple price points, it’s easy to create a design to fit a wide range of budgets.
Principal dental insurance offers:
- Deductibles waived when satisfied with prior carrier
- Refreshed annual maximum when a group becomes effective
- Mobile app for easy access to benefits, providers, and ID cards
One of California’s most popular types of dental coverage plans is the Dental Preferred Provider Organization, or DPPO, plans, commonly referred to simply as “PPOs.” One of the reasons for their popularity is that they are among the most widely accepted plans.
With a PPO, members will save money by staying with in-network dentists, and they can go out of the network, unlike with other plans. In addition, referrals are typically not required to see a specialist such as an endodontist, for example.
In California, the many dental insurance PPO plans require waiting periods and annual benefit maximums to provide a lower monthly cost. These are typically waiting periods of three to six months for basic services such as cleanings and fillings, and often a twelve-month wait for major services such as crowns and implants.
However, unlike many firms, Principal does not require waiting periods for most procedures and offers high yearly maximums, which can be quite important depending on how much dental work is required in a year. The online experience and interface are simple to navigate, intuitive, and user-friendly.
When It Comes to Choosing the Best Dental Insurance, We Can Help
A local, family-owned firm based in Sonoma County since 1979, the expert team at J.C. Lewis Insurance offers individual and family dental insurance plans in addition to helping you meet your health insurance needs.
We also provide small business and individual health insurance plans from only the leading health insurance carriers that are licensed to do business in California.
As experienced, professional brokers, we are licensed and certified by each of these insurance carriers to offer coverage to individuals, families, and small group employers in addition to Medicare supplemental and prescription drug plans for seniors.
When you’re looking for vision, dental, or health insurance for you and your family, for your employees, you are likely to have several questions and concerns.
At J.C. Lewis Insurance Services, we are happy to provide answers to any of your questions regarding dental and health insurance coverage. And you can be confident that we will help you find the right solution for your insurance needs.