What is Dental insurance?

Perhaps you may think that we have a lot of questions about dental insurance in our office. Many have dental insurance or want to get, but unfortunately the insurance can be very confusing. To clarify this confusion about dental insurance, I decided to write a series of articles that answer common questions. Today we will start with the basics: What is dental insurance? 

Something you should know right away is that dental insurance is not really insurance, is profitable. It may sound like I'm splitting hairs, but let me explain. Insurance, by definition, do it again especially in the case of a disaster. Auto insurance or flood insurance or property insurance is all true insurance.
If you get into a car accident and the insurance company pays for the repair or replacement vehicle. Dental insurance is very beneficial because it pays a certain amount of dollars each year for its maintenance or treatment of disease. Yes some cover in case of an accident that broken tooth, but you can not do "everything" because no one can really define what it means in terms of the human body. Therefore, people who have dental insurance often wonder why some procedures are not covered and why the insurance company fails to pay out once they reach a certain dollar amount. More details on that in another article.

Thus, dental insurance is best understood as profit. Let's see how "dental benefit" for the rest of our discussion. How does it work? Well, sure (profit) dental companies have many different programs to choose benefits. Your employer, or maybe you choose the program you want and what types of coverage. You plan decide what procedures are covered and how much insurance (benefits) Businesses pay they are.

Why not everything is covered 100%? Dental insurance (benefits) are businesses; are not charity. They are trying to make money only if the company you work for or own. Insurance (Benefits) The company must pay employees, pay bills, and usually shareholders who want to see results. When you or your employer pays for the insurance company money (profit), a company that has money in the pool and use it to pay benefits. If they pay 100% of everything and that collected more than you or your employer, then you might as well just pay for everything yourself.

Of course, not everyone uses all his earnings to the maximum. We are only human. We had to work. We can establish regular dental visits us. It happens. Insurance company (profit) has the behavior of people and helps pay benefits to other recipients, and to manage the business for the money left.