What is a supplemental dental plan? (a supplemental dental plan?)
A dental supplement is a type of insurance that can be purchased in conjunction with, or on top of, a medical insurance plan that provides inadequate or no coverage for dental care. Such a plan can be purchased by an individual in addition to a policy he currently holds himself, or in addition to a policy, he obtains through his employer. Just like health care costs, dental care can often be prohibitively expensive if not offset by a dental plan. This is one of the main reasons a person may need a supplemental dental plan. .
A dental supplement is a type of insurance that can be purchased in conjunction with, or on top of, a medical insurance plan that provides inadequate or no coverage for dental care. Such a plan can be purchased by an individual in addition to a policy he currently holds himself, or in addition to a policy, he obtains through his employer. Just like health care costs, dental care can often be prohibitively expensive if not offset by a dental plan. This is one of the main reasons a person may need a supplemental dental plan.
The price of a dental supplement plan will depend on several factors. The number of people covered by the program is one of the most important factors. If a family of four buys a dental supplement plan, they may pay less than a family of seven, but the individual pays much more. The type of coverage a dental supplement plan offers will also determine its price. The greater the coverage, the higher the cost of the program may be.
In some cases, employers purchase supplemental dental plans on behalf of their employees. In simple terms, this means that the company pays basic health insurance and supplemental dental insurance for all eligible employees who choose to receive these benefits. Sometimes, some employees don’t get these benefits because they get health and dental coverage from another source, such as through a spouse’s employer. There are also cases where the company only provides basic medical insurance, and if employees need it, they must purchase supplemental dental insurance.
Depending on the needs of the individual or company that plans to offer supplemental dental plans to their employees, the plan may not be purchased from the insurance company that offers the primary policy. You can choose to buy basic health insurance from one company and a supplemental dental plan from another. When shopping for a supplemental dental insurance plan, it often costs money to shop around instead of simply working with the insurance company that holds the primary policy. Depending on the needs of the individual or company that plans to offer supplemental dental plans to their employees, the plan may not be purchased from the insurance company that offers the primary policy. You can choose to buy basic health insurance from one company and a supplemental dental plan from another. When shopping for a supplemental dental insurance plan, it often costs money to shop around instead of simply working with the insurance company that holds the primary policy.
