10 Jan עופר איתן Announces: 5 Best Dental Insurance in Nevada • Benzinga
Did you ever notice that many subjects of historic paintings don’t smile? It wasn’t because their teeth were bad. They didn’t smile because it’s challenging to smile naturally for a long period? It’s true. Try it. Flash forward to today when you can capture and share images within seconds. People smile.
Smiling shows warmth, connection and approachability. So, if you plan on smiling for your selfies, you want your pearly whites to be at their best. Dental care helps you do this. Plus, regular dental visits can alert you to non-dental health issues. Issues such as heart disease and stroke.
So, if you want that 3-second selfie smile to remain beautiful, read on to learn about dental insurance in Nevada.
The Best Nevada Dental Insurance is:
Types of Dental Coverage
Here are the 3 most popular types of dental plans according to the American Dental Association.
Preferred Provider Organization (PPO): A PPO is a dental plan that uses a network of dentists who have agreed to provide dental services for set fees. The dental services covered depends on the plan you choose. If you see an out-of-network dentist on a PPO plan, you will likely pay more out of pocket.
Dental Health Maintenance Organization (DHMO): Like its HMO counterpart, dentists in this network receive a monthly fee to provide covered dental services to you. The dentist gets paid regardless if you see them. Some services are fully covered services as part of your plan. Other services require a copayment.
Discount or referral dental plans: The company selling a discount or referral plan contracts with a group of dentists and these dentists agree to discount their dental fees. Discounts are usually applied to all services, including cosmetic procedures. These plans do not pay for any services received. Instead, you pay for treatment yourself at the reduced rate determined by the plan.
What Does Dental Insurance Cover?
Insurance absorbs risk. Benefits cover some things in full, other things in part, and some things not at all. When you’re looking for a dental plan, you will likely see it described as “dental benefits” more often than “dental insurance.” Confused? Don’t worry. Let’s start with an insurance versus benefits primer. Dental insurance, or a dental plan, works a bit differently than health insurance. Both dental and health insurance allow for preventive care.
Here’s the difference. Insurance reimburses you for a loss. As explained by the ADA, “Your car insurance pays you the value of your car if it’s totaled in a crash, and your health insurance covers the cost of your hospital stay if you’re injured in that crash. In an insurance plan, the insurer carries the risk.”
A benefit plan’s purpose is to cover certain predetermined costs. As mentioned, your dental benefit plan will cover some procedures fully, and then pays a percentage of other procedures. Your dentist may recommend something that isn’t covered at all. It’s always wise to double-check that you’re covered for the procedure.
Typically, dental plans cover some of the cost of preventive care, fillings, crowns, root canals and oral surgery. Some plans cover orthodontics, periodontics and prosthodontics. Normally, you’re covered for 2 preventive visits per year or every 6 months.
What Does Dental Insurance Not Cover?
Just like automobiles, dental plans come in different shapes, sizes and options. Put your Excel skills to the test and start a spreadsheet with your dental providers, their coverages and the related costs. Research the plans and look at what they offer as a base. Also, look at “upgrade” choices and the costs.
For instance, not all plans automatically include braces (orthodontics). If you have young children, you might want to choose a plan that includes ortho visits and services.
You might ask yourself, is dental insurance worth it? The quick answer is, yes. Dental benefits help you keep up with preventive care. They also provide a safety net if any problems come up.
Average Cost of Dental Insurance in Nevada
The cost of dental insurance nationally runs an average of $16 to $150 per month. Many things go into this average price. For example, are you insuring just yourself or a family? The more people covered by dental benefits, the more you’ll pay.
What deductible did you choose? The higher your deductible, or the amount you pay before insurance pays, the lower your rate. What services does the plan cover? The more services included in your benefits means a higher price. Where do you live? Rural areas typically mean lower rates.
Discounts for dental insurance aren’t as prevalent as insurance for things like homes and cars. Preventive maintenance is the best way to spend less. Keeping up with your bi-annual exams helps to catch problems early when they’re easily treated. It could mean the difference between a filling and a root canal.
If budget is the deciding factor, there are some solid affordable dental insurance options.
What to Look for in a Dental Provider
There’s a lot to consider when choosing a dental provider. You need to check into the coverage, network and the fine print.
When figuring out what coverage suits you, think about your life. Single? Married? Kids? This is important. If you’re single then clearly you need to only worry about yourself. If you’re married, you need to figure out what works best for you and your significant other.
And, if you have kids you need to consider things like orthodontics. The ADA recommends that kids visit an orthodontist at age 7. Thinking about where you are in life will help you determine what coverage you need. Plus, it helps narrow your options.
You also need to look at the dental network. How many dentists are in your area? You should also check to see if they’re accepting new patients. If you live in Carson City, then a network of dentists in and around Paradise isn’t going to help you.
Do you already have a dentist in mind? Then you need to check if that dentist is on the network provider list. This will also help narrow your options.
Finally, look at the fine print. Now that you know what’s covered, you need to know when it’s covered. If you already know that you need to have those pesky wisdom teeth removed, for example, can you have it done as soon as coverage begins?
Or, is there a waiting period before your benefits begin? If you’re not in a hurry, then a delay isn’t a hassle. If you’re not up to waiting, then look for a provider whose coverage begins immediately.
Best Dental Insurance Providers in Nevada
Nationally, the 3 best dental insurance companies are Delta Dental, MetLife Dental and Guardian Dental. Nevada’s dental benefits providers include Delta, Ameritas, Anthem, Mutual of Omaha and Nationwide. Here is how they rate.
1. Delta Dental: Best Overall
When it comes to dental insurance, Delta Dental works on a less-is-more and simpler strategy. Delta Dental touts less out-of-pocket fees, more dentists and simpler processes.
That means more money stays in your pocket, a plethora of dentists to choose from and saving your mind for the Sunday crossword rather than filling out loads of forms. Getting a quote online is easy.
Finally, Delta Dental keeps its customers smiling. More than 95% of enrollees choose to stay with Delta Dental year-over-year.
2. Ameritas: Cheapest Dental Insurance in Nevada
With good dental basics available at a low cost, Ameritas is the cheapest dental insurance in Nevada. Focused on quality benefits at a reasonable price, Ameritas keeps expenses low by employing what they call savvy cost controls to its traditional benefit offerings.
Low cost doesn’t equal low choice. Ameritas gives members choices. You can tailor a plan that meets your needs. Finally, Ameritas offers dental rewards. You’re rewarded for practicing oral wellness. If you don’t use your annual maximum benefits, you can qualify to use that money in future years.
So, if you know braces are in your kid’s future, more money will be there when you need it.
3. Anthem Blue Cross Blue Shield: Best for Range of Coverage
Being one of the nation’s largest insurance providers, Anthem Blue Cross Blue Shield (BCBS) is well-versed in balancing people’s wants and needs.
Through its range of coverages, it satisfies the dental insurance minimalist and maximalist. Whether you want just the basics or to make sure you cover every possibility by checking every option, Anthem BCBS has a plan for you.
4. Mutual of Omaha: Best for Being Straightforward
As you might expect from a company headquartered in Nebraska, Mutual of Omaha says what it means and means what it says. And what does that mean for you? You’ll know before signing up what to expect in coverage, deductibles and out-of-pocket expenses.
Mutual of Omaha knows that good dental care is important for your health. Knowing what to expect to pay for things like cleanings, fillings, crowns, bridges, dentures and root canals is good for your mind.
5. Nationwide: Best for Flexibility
Nationwide offers affordable dental coverage through Multiflex Dental Insurance. It’s noted best for flexibility because you can choose from many coverage and payment options.
Nationwide’s Multiflex Dental Insurance guarantees acceptance, fast quotes and easy online enrollment. The carrier also makes a scaled-back version of coverage available, which offers diagnostic and preventive services…