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Don't forget about Dental Insurance!
Medical Disease and Dental Disease Differences
With regular visits to the dentist, most teeth problems can be diagnosed and discovered early, giving time to have it treated without extensive testing or elaborate and expensive procedures. That helps keep the costs of dental care much lower than of medical care. Total spending for dental care is decreasing. In 1970, it made up 6.31 percent of total health care expenditures. But in 1991, dental care's share of health care spending was only 4.91 percent.
Difference Between Medical And Dental Benefits
Dental insurance works differently. Today, most dental coverage is designed to ensure that the patient receives regular preventive care. For example, most dental insurance plans will cover almost all x-rays and routine visits. You might have to pay a co-pay for each visit though. The bottom line is that health insurance companies realize that giving better preventive care coverage can save consumers and the insurance company money. High quality dental care rarely requires the complex, multiple resources often required by medical care. A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem. Most of the time, dental care is provided by a general practitioner, although some cases may require the services of a dental specialist. For example, if you have a wisdom tooth that your general dentist cannot extract, he or she might refer you to a specialist. Because most dental disease is very preventable, dental benefits plans are structured to encourage patients to get the regular, routine care so vital to preventing and diagnosing the onset of serious disease, as mentioned before.
In fact, today most dental benefits plans require patients to assume a greater portion of the costs for treatment of dental disease than for preventive procedures. By placing an emphasis on prevention, and by covering regular teeth cleaning and check-ups, Americans saved nearly $99 billion in dental care costs during the period between 1980 to 1990.
Dental Insurance Is Helping Keep America Healthy
Different Plans for Different Needs--Know the Differences
Understanding these differences is essential to making an informed decision when selecting a plan and using the benefits.
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