How Dental Insurance Works
CAPS Dental Plan
An attractive and affordable alternative to dental insurance.
There are no waiting periods, your benefits begin immediately, there's no loss of benefits due to pre-existing conditions, and orthodontics and cosmetic dentistry are included. In fact, CAPS has members who already have dental insurance and find CAPS to be of benefit for services not covered.
Dental Insurance
One of the biggest misconceptions individuals have about dental insurance is that it would work just like their health insurance. In reality, they have many differences. Dental insurance is not going to eliminate your dental care costs. It will only help you cover a portion ($1,000 to $1,200 per year maximum) of your dental care costs. Your cost for coverage can be costly, and deductibles and co-payments can be confusing. A waiting period may exist for major dental procedures along with limitations to pre-existing conditions or cosmetic dentistry.
It's important to understand that even if you have 100% coverage, your dentist may not get 100% of his fee. This situation leaves you, in some cases, financially responsible for the unpaid difference. It is the dental insurance company that determines the maximum it will pay on any particular dental service.
We've become accustomed to having the majority of our health care cost covered by insurance. So, it becomes a harder pill to swallow when consumers learn that it is not the same when it comes to dental care. That's why I hope you will find the information we'll pass along throughout the year to be helpful in minimizing your dental care costs.
