Charlotte, NC, April 2, 2015 (GLOBE NEWSWIRE) -- Finding the best insurance for dental health care can be tricky. South Charlotte Dentistry helps their patients decipher insurance plans and offers advice in choosing an insurance company. "Dental coverage varies from plan to plan," explains Kim Whitman, Financial Coordinator for South Charlotte Dentistry, "We work with all dental insurance companies even if we are not in network."
Whitman suggests that if your employer offers an inexpensive plan, then use it. But if a patient is buying his own dental coverage, there are many factors to consider.
South Charlotte Dentistry recommends looking at one's dental costs of the last few years. "Knowing your needs before you shop will help you find a plan," says Whitman. Not everyone has the same type of dental problems or needs the same type of care. Most dental plans will cover two checkups a year as recommended by the American Dental Association. But beyond that insurance companies greatly differ on how much and which dental treatments they will cover.
There are two major choices when it comes to dental coverage: insurance and discount plans. Dental insurance works like any health insurance with premiums, deductibles, and different coverage plans. Dental discount plans are like membership programs with an annual fee and access to discounted services at participating dentists.
Before purchasing either one, patients should consider all aspects of coverage. Monthly premiums, treatments covered, maximum annual limit, deductible, waiting period, choice of treatments and dentists are all factors to think about before purchasing a plan.
A third option is credit cards for health care. "We recommend Care Credit to our patients," says Whitman, "They are easy to work with and there are no waiting periods like with some individual plans." Credit lines for healthcare often cover any treatment a patient chooses as long as it improves the patient's mouth health, even elective and cosmetic procedures. South Charlotte Dentistry also offers to pay the interest and the patient just pays for the services.
The cost of dental procedures are not cheap and finding coverage for the procedures a patient needs can be difficult. South Charlotte Dentistry advises patients to talk with their dentist's office and discuss the best option for their needs. South Charlotte Dentistry is a family and cosmetic dental office located in the Ballantyne area of Charlotte, NC. They specialize in same day crowns, Invisalign, and teeth whitening procedures.