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Dental Insurance

Dental care can sometimes be purchased in addition to basic medical care, or, alternatively, it can be purchased as a separate policy from a separate provider. Generally, there are two dental plans available: an HMO plan and an indemnity plan. These plans usually cover only basic dentistry services, not orthodontics (like braces) or surgical procedures.


Generally, these plans are big money makers for the insurance companies that provide them. The premiums are usually small enough to entice people to buy the coverage who will never use it. For people who do not have dental problems and just need basic preventative services, it may be more economical to put the money they would spend on dental insurance premiums in a medical spending account (if they have one) and pay for those teeth cleanings out of that.


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