What is Principal POS Dental Coverage?
Principal Point-of-Service (POS) dental coverage is a type of dental insurance plan that combines the benefits of both HMO and PPO dental plans. POS plans allow policyholders to receive dental care from a network of dentists, but also provide some coverage for out-of-network providers. This type of plan offers a balance between affordability and flexibility.
How Does POS Dental Coverage Work?
With a POS dental plan, policyholders typically choose a primary dentist within the network to provide routine dental care. If a specialist is needed, the primary dentist will refer the patient to an in-network specialist. If the policyholder chooses to receive care from an out-of-network provider, the plan will still provide some coverage, but the patient will have to pay more out of pocket.
What Does POS Dental Coverage Include?
POS dental plans typically cover preventive care, such as regular cleanings and x-rays, as well as basic procedures like fillings and root canals. Major procedures like crowns and bridges may also be covered, but at a lower rate. Orthodontic treatment may be covered, but often requires a separate rider or higher premium.
What Are the Benefits of POS Dental Coverage?
One of the main benefits of a POS dental plan is the flexibility it offers. Policyholders can choose to receive care from in-network or out-of-network providers, depending on their needs and preferences. POS plans are also typically more affordable than PPO plans, while still providing some coverage for out-of-network care.
What Are the Drawbacks of POS Dental Coverage?
Like any dental insurance plan, POS plans have their limitations. Policyholders may be required to pay a deductible before coverage kicks in, and there may be annual limits on coverage. Additionally, not all dentists participate in POS networks, which can limit a policyholder’s options for care.
Tips for Choosing a POS Dental Plan
1. Consider Your Budget
Before choosing a POS dental plan, consider your budget and how much you can afford to pay each month in premiums. Keep in mind that you may also have to pay a deductible and co-pays for certain procedures.
2. Check the Network
Make sure the plan you choose has a network of dentists in your area that you are comfortable seeing. If you have a specific dentist in mind, check to see if they participate in the plan’s network.
3. Review Coverage Details Carefully
Be sure to review the plan’s coverage details carefully, including annual limits and any exclusions or restrictions. Make sure the plan provides the coverage you need for the procedures you anticipate needing.
4. Compare Plans
Don’t settle for the first POS plan you come across. Shop around and compare plans from different providers to find the one that best meets your needs and budget.
Conclusion
Principal POS dental coverage is a popular choice for many individuals and families looking for affordable and flexible dental insurance. By understanding how these plans work and what they offer, you can make an informed decision when choosing a plan that meets your needs and budget. Remember to review the details carefully and compare plans from different providers to find the best option for you.