Dental Insurance Quotes

You can probably imagine that we get a lot of questions about Dental Insurance Quotes in our office.  Many people have dental insurance or would like to get it, but unfortunately insurance can be very confusing.  To help clear up a lot of this confusion regarding dental insurance I’ve decided to write a series of articles to answer the most common questions.  Today we’ll start with the basics: what is dental insurance?

Something you should know right away is that dental insurance quotes really isn't insurance, it’s a benefit.  That may sound like I’m splitting hairs, but let me explain.  Insurance, by its definition, will make you whole again in the event of a catastrophe.  Auto insurance or flood insurance or homeowner’s insurance are all true insurances.  If you get in a car wreck then the insurance company pays for the repairs or a replacement vehicle.  Dental insurance is actually a benefit because it pays a certain dollar amount every year for maintenance or for the treatment of a disease process.  Yes it will cover some costs in the event of an accident like a broken tooth, but it is not able to make you “whole” because no one can really define what that means in regards to the human body.  As a result people who have dental insurance are often left wondering why some procedures are not covered or why the insurance company stops paying out once you reach a certain dollar amount.  More explanation on that in another article.

So dental insurance quotes is better understood as a benefit.  Let’s refer to it as a “dental benefit” for the rest of our discussion.  How does it work?  Well, dental insurance quotes (benefit) companies have many different benefit plans to choose from.  Your employer, or perhaps you yourself, choose which plan you want with which kinds of coverages.  The plan you have will then determine which procedures are covered and just how much the insurance( benefit) company will pay towards them.

Why isn't everything covered at 100%?  Dental insurance quotes (benefit) companies are businesses; they are not charities.  They are trying to make money just like the business you work for or own.  The insurance (benefit) company has employees to pay, bills to pay, and usually stockholders who want to see earnings.  When you or your employer pay money to the insurance (benefit) company, the company holds that money in a pool and uses it to pay out the benefits.  If they paid 100% of everything then they would have to collect more from you or your employer, and at that point you might as well just pay for everything yourself.

Typically not everyone uses all of their benefits to their maximum amount.  We’re only human.  We get busy.  We might put off our regular dental visits.  It happens.  The insurance quotes (benefit) company counts on that human behavior and it helps them pay the benefits to the other beneficiaries as well as run the business with the money that remains.