How to Get Dental Care Without A Private Insurance Company
The American Dental Association (ADA) and the American College of Oral Surgeons (ACPOS) have released a new guide for adults and families, to help them choose dental insurance, and also for their children, for the year ahead.
The new “Dental Care Accessibility Guide” offers tips for the consumer, while also providing guidance for dental professionals, insurers and others who need help to make an informed decision.
It’s a great place to start, and it should be a key part of anyone’s dental plan, said Patricia Hickey, ADA chairwoman and chief executive officer.
While there’s a wealth of information on the Internet, it’s hard to find a clear-cut guide for how to get dental care, said Hickey.
Dental care for the average consumer is more complex than ever before, and this guide offers helpful information on how to navigate the dental industry to ensure that everyone can get the care they need.
It’s important to remember that not everyone needs to be covered, and not everyone wants to pay out-of-pocket for dental care.
To make sure everyone is covered, ADA members will receive discounted rates for adults, children and parents with low incomes.
This guide includes recommendations for parents and their children to make the best decision for their family’s dental health, Hickey said.
For parents and kids, the ADA recommends the following:The ADA also recommends a free or low-cost dental plan with a qualified dental provider.
If you have children under age 12, parents and families can opt to purchase a comprehensive dental plan through the American Dina Program.
Children under 12 years old can get coverage through a dental plan offered by the state of Washington.
If your child has a chronic health condition or is eligible for a Medicare program, the state can offer a dental program.
The plan can be a joint state-federal program or the individual program.
Parents should not consider a health insurance policy that covers dental care for children.
The ADA recommends children who have chronic health conditions have comprehensive dental care from a dental doctor or dentist.
The dentist should be trained to care for dental needs and be able to refer you to a dental specialist, Hicky said.
Hickey added that adults with chronic health problems should not pay out of pocket for dental treatment, but they should consider dental coverage through the Dina plan.
The ADA recommends that people with low income pay a $100 deductible or $2,000 copay for dental services, but the deductible is waived if the dental expenses exceed $5,000.
For those making $50,000 or less, the federal government offers an affordable health insurance plan that covers a full range of health care services.
In addition, people with a chronic medical condition can receive a free, low-income dental plan from the American Health Care Act, or AHCA, which is sponsored by Sen. Bernie Sanders (I-Vt.).
Dental plan costs and out- of-pocket costs can vary widely depending on where you live.
For example, dental costs in San Diego County, California, for a typical family of four are about $1,300 a year.
In Atlanta, Georgia, a family of three will spend about $2.50 for a full-year dental plan.
For more information about the ADA’s dental program, visit: www.dental.org/healthcare/index.html or call 800-662-4646.