What Are the Types of Dental Insurance Lincoln Offers?
Lincoln Dental Insurance offers coverage for dental care to meet your needs. Lincoln has a variety of plans that have different coverage levels, flexibility levels, and costs, so customers choose the best plan for their dental care priorities and budget. Here are the main types of dental insurance offered by Lincoln.
The PPO Plan
The most common plan is structured to balance flexibility in choice of providers and lower out-of-pocket expenses. When you are choosing the dentist you would like to perform your treatment, if you choose an in-network provider, you will have the most savings. Lincoln has negotiated discounted fees for the participating providers. PPO plans are easier to use because they do not require referrals. Patients can choose a specialist, like an oral surgeon or endodontist, without consulting their general dentist.
The DMO Plan
The low cost and straightforward plan allow you to pick a dentist from the Lincoln DMO network. This is the dentist who handles all of your dental needs. Other preventive services, like twice-yearly cleaning and annual dental exams, are covered at little or no cost. When you need a basic treatment like a filling, you will have a copayment; you will not have to cover a specific percentage of the total cost of treatment. DMO plans require a lower premium, or cost to you, but you are required to see only in-network providers to receive services. If you have a strict budget without flexibility to cover percentages of treatment, a DMO plan is one you should consider. If you do not have a specific dentist you want to receive treatment from and you are willing to choose from a list of in-network providers, then a DMO plan may be the best choice for you.
Full Coverage
For nearly all the Lincoln Dental Insurance plans, you can count on 100% coverage beyond preventive dental services, which include cleanings, dental exams, and X-rays from a network dentist. You can choose Lincoln Dental Insurance plans that cover other basic dental services like fillings, simple extractions, and periodontal maintenance, too.
Partial Coverage
Major services like crowns, bridges, dentures, or sometimes implants may be covered under a lower percentage depending on the plan.
Orthodontic Treatment
Some of Lincoln's plans offer orthodontic benefits both to dependents and to the policyholder. Before you enroll in a plan, be sure to check the orthodontic coverage if you think you'll need braces or other aligners.
Cosmetic Treatment
Like most medical insurance policies, cosmetic services such as teeth whitening, tooth bonding, or veneers aren't covered by Lincoln Dental Insurance because they don't improve a person's health.
Before selecting your dental insurance plan, you need to determine what is a priority to you. If you want the open-access plan network, the predetermined cost savings, or the freedom of an indemnity plan, Lincoln has a variety of coverage options to help you take care of your smile.
If you have more questions about Lincoln Dental Insurance or how it could work as a part of your treatment plan to achieve better dental health, reach out to the dentist to see if Lincoln Dental Insurance is the best option for you.
Learn about our payment and financing options here.