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Dental Insurance: Types Of Policies, Including Benefits

Differences Between Dental Insurance Philosophy And The Philosophy Underlying Health Insurance

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Survivorship A to Z generally avoids getting too deeply into philosophy and focuses on practical assistance. However, it will help you understand how dental benefit schedules are set up if you understand that the philosophy behind dental coverage is very different from health insurance.

Minor health problems usually go away on their own. That is why most indemnity health plans have deductibles and co-insurance to discourage an insured from using the health plan for every sniffle and sneeze.

Dental care is just the opposite. A dental problem never heals itself. In fact, left untreated, it generally gets worse. A soft spot on a tooth surface will become a cavity which will eventually destroy the tooth and infect neighboring teeth. Because of this, dental insurance has always emphasized regular preventive care, even more strongly than medical HMOs.

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