PPO Full Coverage Dental insurance for a dental crown – Share of Cost
Question: I require two dental crowns. I seek a dental insurance plan covering at least 50 percent or more on a crown and one without waiting periods. Is there a dental insurance plan like that?
Reply: We have two options for you; any of our HMO dental insurance would work. There are no waiting periods for the HMOs we provide. The crown’s cost typically ranges from $100.00 – $250.00+. Another option would be our Delta Dental PPO plan. That does not have waiting periods; however, the first-year benefits on major services such as crown run around 10 to 15 percent, and you only have 50 percent benefits on major services once you have the plan for three years.
What is a Dental Crown?
A dental crown acts as a cap placed over a tooth to restore its shape, size, strength, and appearance. Dental professionals commonly use crowns when a tooth is severely decayed, damaged, or has undergone root canal therapy. They encase the tooth completely, protecting it from further harm.
Dentists can make crowns from various materials, including porcelain, ceramic, metal, or a combination. People often choose porcelain and ceramic crowns for their natural appearance, making them ideal for front teeth. In contrast, they frequently use metal crowns for molars due to their durability and ability to withstand significant chewing pressure.
Usually, getting a dental crown involves two visits to the dentist. During the first visit, the dentist prepares the tooth by removing decay and shaping it to fit the crown. The dentist takes an impression and may place a temporary crown until the permanent one is ready. In the second visit, the dentist removes the temporary crown and cements the permanent one in place.
Dental crowns restore the functionality of a damaged tooth and enhance the aesthetic appeal of a smile, boosting the confidence of individuals who may feel self-conscious about their teeth. To ensure the longevity of a dental crown, maintain regular dental visits and practice good oral hygiene.
How Dental Insurance Saves You Money on Dental Crowns
Dental insurance can significantly reduce the out-of-pocket costs of dental crowns, making this essential dental procedure more affordable. Here’s how dental insurance helps you save money:
1. Coverage for Major Services: Most dental insurance plans categorize procedures into three levels: preventive, basic, and major services. Dental crowns typically fall under major services, which many plans cover partially, usually at 50% or more after meeting the deductible.
2. Lower Average Costs: A dental crown can range from $100 to $250 or more without insurance. With a plan covering at least 50%, your portion is reduced, meaning you could pay significantly less than the full cost.
3. Access to Network Discounts: Many insurance providers have a network of preferred dentists who offer services at a reduced cost. Choosing a dentist within your network for crowns can lead to further savings.
4. Preventive Care Encouragement: Dental insurance often covers preventive care (like cleanings and check-ups) at 100%. Regular visits can help you catch issues early, potentially avoiding the need for crowns altogether.
5. Annual Maximum Benefits: Many plans have an annual maximum limit for coverage. Even though you may have to meet a deductible first, the benefits can lead to substantial savings if you need multiple crowns or other major dental work throughout the year.
6. Flexible Payment Options: Paying out-of-pocket for a crown can be a significant burden. Insurance provides a structured way to budget your expenses, allowing you to plan for out-of-pocket costs associated with deductibles and copayments.
7. Encouragement of Regular Care: With insurance, the financial barrier to receiving regular dental care is lowered, which can help maintain overall oral health and potentially reduce the need for crowns in the future.
Having dental insurance can alleviate some of the financial stress associated with dental crowns, making it easier to maintain your oral health and smile.