I am in need of two dental crowns. I am trying to find a dental insurance plan that will cover at least 50 percent or more on a crown and one that will start right away since I am need of the crowns now. Is there dental insurance like want I need?
Reply: You do have a few options. First you can review HMO’s as an options you will need to choose a plan dentist in their net work but typically the cost for crowns are much more affordable. In addition most HMO’s plans do not have waiting periods you have to wait before benefits for major services (such as crowns) are active.
PPO’s plans maybe an option as well though typically the coverage percentage for major dental care within the first year tends to be less then 50 percent. Made sure to read the temrs and conditions carefully on PPO’s as they also tend to come with waiting periods which will effect the services you need.
Though there are a few PPO’s plans that may not have waiting periods but may still limit the coverage benefits percentage paid toward the cost of major dental services so be mindful of that