Full coverage dental insurance plans
Like vision insurance, the US General Medical Plan usually does not include Dental Insurance, so additional dental insurance is required.Full coverage dental insurance plans Dental insurance is not mandatory, so you can choose to buy it according to your needs and budget.
Like medical insurance, it is also divided into two categories: HMO and PPO:
● HMO: You can only go to the dental clinic or doctor designated by the insurance company. The premium is about 10 yuan/month.
● PPO: You can choose your own clinic and doctor. Usually, the monthly premium is about 30-50 yuan.
A few points related to the number:
● Co-Pay: registration fee, pay every time you see a doctor.
●Deductible: The deductible, the insured person has to pay for himself, and the excess is the insurance cover.
●Maximum Annual Benefit: The maximum amount of insurance that can be reimbursed each year, usually $1,000~$1,500/year.
Dental insurance reimbursement quotas can usually be divided into three categories: (depending on the insurance content)
1. Preventive care: such as X-ray film, general cleaning, dental examination and other routine care items, usually provide 1-2 times 100% reimbursement a year.
2. Fundamental treatments such as Restorative Fillings, Periodontics, Periodontics, etc., usually cover 20-50%.
3. Major treatment: such as Root Canal Treatment Root Canal, Crown Crown, Bridge Bridge, Denture, etc., usually cover about 20%-50%.
PS Some dental insurance also provides incentives. For example, the reimbursement amount for certain items can be increased year by year.
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