Dental checkups and appointments are always necessary to make
sure your teeth are in good condition. By keeping up with your routine dental
visits, you and your dentist can keep an eye on areas of your teeth that could
possibly be problematic in the future. This way, you know what to expect and
can prevent the problem from getting too big. Dr. Arthur A. Kezian recommends
seeing your dentist at least once every six months. Although this may seem like
one visit too many, you need to see the bigger picture – by visiting your
dentist more often, you can save yourself from facing big problems that will be
costly for your and your family. If you don’t have a dentist yet, call Dr.
Kezian. This is the ultimate
solution in keeping your teeth and gums healthy.
Many people don’t focus on the continuance of good dental
health because treatments can be expensive. Sometimes paying out of pocket can
leave your pockets empty, but there is an alternative – dental insurance.
Do You Need Dental Coverage?
Many people do not know that they do not have dental
insurance. This is because most health insurance plans do not
include dental care. Also, if you are older and receive Medicare, this can also
be an issue. Many dental offices do not take Medicare. Apart from that,
Medicare does not necessarily pay dental claims. Before you apply for dental insurance, check your health
insurance to see if dental is included.
Once you
have dental insurance, it is important that you use your benefits and you use
them wisely. With health insurance, you pay your deductible and then pay a
lesser portion when your bill comes. With dental coverage though, it is the
opposite. The insurance company covers a certain amount and you have to pay the
balance of the bill. Once you have reached your yearly maximum, you have to pay
out of pocket. If you think dental insurance is right for you and your family,
you should ask your dentist which
one has better coverage. Mentioned below are different types of dental
insurances.
HMO Plans – these plans are pre-paid plans and usually need
you to pick one dentist to take care of all your dental needs. These plans
usually do not have deductibles or maximums. Instead, you pay a fixed dollar
amount for specific dental services you undergo.
PPO Plans – these plans usually provide a network feature.
They have a deductible and an annual maximum of coverage. This maximum differs
amongst different PPO insurances. With this plan you pay a certain percentage
of the reduced rate of your dental service and your plan pays for the rest.
This percentage varies based on the work you are doing whether it is diagnostic
or something more major. With a PPO plan, you can visit a dentist of your
preference even if he or she is not in the network. With a PPO plan you usually
have lower out-of-pocket costs.
It is up to you to see which dental option fits you best. Do
some research before you decide to settle with a specific dental insurance It is important that you know about your plan with
all its details. If you have questions about specific types of dental
insurances, call Dr. Arthur A. Kezian DDS. His staff can help you with your
questions and guide you in the right direction.
Dr. Arthur A. Kezian DDS 443 N.
Larchmont Blvd Los Angeles ,
CA 90004
-N.S.
