Para muchas aseguradoras el seguro dental se ofrece como un beneficio adicional a las pólizas de salud y otras aseguradoras ofertan sus planes dentales de forma individual. Conosca los diferentes tipos de seguros dentales y sus beneficios ya que ese el primer paso para obtener la cobertura correcta.
Los planes dentales ofrecen una opcion economica y practica para luchar contra los altos costos de los procedimientos dentales en Orlando, Florida. Su gran cantidad de beneficios brindara maneras de ahorrar en servicios odontológicos, como precios convenientes y planes accesibles al paciente. Sus coberturas dentales cubren cualquier imprevisto y emergencia que tenga el paciente. Existen varias formas de economizar en sus gastos odontológicos.
Tipos de seguros dentales
Seguro dental odontológico HMO, Seguro Dental PPO: Es el más usado en los Estados Unidos y funciona similar a un plan de salud donde se paga mensualmente una prima y se cubren del 80% al 100% de los costos dentales. El seguro dental HMOo Seguro Dental PPO se ofrece a través de su empleador o se puede comprar por medio de un agente de seguros. Aetna Dental, Cigna Dental, Blue Cross Blue Shield Dental.
Planes Dentales de reembolso o indemnizacion
: Este tipo de cobertura es muy popular ya que tienes la libertad de escoger cualquier dentista. Tu cobertura empieza casi inmediatamente y no tienes periodo de espera para cuidados preventivos. Tienes dos formas de pagos por tus servicios, pagas por tu servicio muestras tu recibo de pago y la Aseguradora Dental te reembolsa ese dinero estipulado por el procedimiento. El asegurado tiene un maximo anual de cobertura de $1000 o $1500 anuales. El mejor ejemplo de este tipo de aseguradoras dentales en Orlando, Florida tenemos Assurant Dental
Planes dentales de descuento
El plan de descuento dental ofrece precios mensuales econmicos, recibes descuentos en servicios ofrecidos por tu odontólogo. Se paga una cuota de inscripción, y luego una cuota mensual siendo mas barato que un seguro dental. Su mayor limitacion es que normalmente tiene una red de proveedores mas limitada que cualquier otro tipo de modalidad de plan dental explicado anteriormente. El mejor plan dental de descuentos es Careington Dental donde usted paga solo $6.95 al mes, con un fee de inscripcion de $20.00 y su cobertura es nacional.
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