what is dental certified ehb

Natashya

2 min read

·

23-12-2024

1

0

Share

Dental insurance can be complex, and understanding the specifics of your coverage is crucial. One term you might encounter is "Extended Health Benefits" (EHB), often in the context of dental coverage. This article clarifies what dental certified EHB means and how it impacts your dental care.

What are Extended Health Benefits (EHB)?

Extended Health Benefits (EHB) are supplemental health insurance plans that cover various medical expenses not typically included in basic health insurance. These plans are offered by private insurers and, in some regions, may be subsidized by government programs. EHB plans commonly cover things like:

• Paramedical services: Physiotherapy, massage therapy, chiropractors, etc.
• Vision care: Eye exams, glasses, contact lenses.
• Dental care: Cleanings, fillings, extractions, orthodontics (sometimes).
• Prescription drugs: Depending on the plan's formulary.

What Does "Dental Certified EHB" Mean?

"Dental certified EHB" refers to an extended health benefits plan that specifically includes dental coverage. However, the level of dental coverage varies significantly between plans. A "certified" aspect doesn't guarantee comprehensive coverage; it simply indicates that dental care is included among the benefits offered.

Crucially, the term "certified" itself doesn't refer to a specific standard or accreditation. The term is often used by insurance providers in their marketing materials and isn't universally defined. Always check the specific details of the policy to understand exactly what dental procedures are covered and to what extent.

Understanding the Nuances of Dental Coverage in EHB Plans:

Dental coverage within an EHB plan will usually specify:

• Annual maximums: The total amount the plan will pay out for dental expenses in a year.
• Coverage percentages: The percentage of eligible expenses the plan will cover (e.g., 80% of the cost of fillings).
• Waiting periods: The time you must wait after enrolling before coverage begins.
• Exclusions: Procedures or treatments that are not covered (e.g., cosmetic dentistry).
• Network of providers: Dentists who participate in the plan and offer discounted rates. Using in-network dentists often maximizes benefits.

How to Find a Dental Certified EHB Plan That Suits Your Needs:

1. Compare plans: Don't just focus on the marketing materials; carefully review the policy documents to understand the specifics of dental coverage. Use online comparison tools or consult with an insurance broker.
2. Consider your dental needs: Do you require regular checkups, or do you anticipate needing more extensive dental work? Choose a plan that addresses your expected needs.
3. Check the annual maximums and coverage percentages: Ensure the plan's financial coverage aligns with your budget and potential dental expenses.
4. Review the list of covered procedures: Confirm that the plan covers the dental services you require.
5. Understand the network of providers: If possible, choose a plan that includes dentists you already trust or are geographically convenient.

Conclusion: Dental Certified EHB: A Closer Look

"Dental certified EHB" confirms dental coverage exists within the broader extended health benefits package. However, the details of this coverage are paramount. Carefully compare plans, reviewing annual maximums, coverage percentages, and exclusions before selecting a plan. Understanding the specific terms of your dental coverage will prevent unexpected out-of-pocket expenses and ensure you receive the dental care you need. Remember, always consult with your insurer or a dental professional for personalized advice.