Health Insurance Buyer?s Guide

There are plans that may cover dental implants, oral surgery and orthodontia, but they will be more expensive.  Like health insurance, plans are categorized into indemnity and managed-care plans.

If you choose an indemnity plan you will have a broader choice of dental care providers to choose from.  You won’t have to choose one primary dentist and generally, you won’t need to acquire referrals.  In order for the insurance company to cover your dental expenses you will need to send them a claim before they reimburse you for covered services.  As a result, you will have to pay more out-of-pocket with an indemnity plan, but you will have more flexibility in choosing which dentists you visit.

On the other hand, managed-care plans will provide you with a dental provider network and you will need to visit dentists within this network in order to get coverage for these services.  With a dental care network, the insurance company has arranged pre-negotiated rates that you will receive when you visit these dentists.  With a managed-care plan, the dentists will submit the claim for you, lowering your out-of-pocket expenses.

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Health Savings Account

Health Savings Accounts (HSA) are tax-free savings accounts designed to help consumers pay for healthcare services while limiting premium expenses for unwanted benefits.  The plans have lower premiums and higher