Having dental insurance can be extremely helpful for people who have dental needs that are not covered by their employer. Most dental insurance policies cover the costs of routine dental care, which includes regular cleanings, x-rays and dental exams. Full coverage dental plans don’t cover all of your dental care, but they do cover a wider scope of major and minor procedures and preventative dental care. Such coverage may also include: root canals, crowns and dental implants. But even if you do have dental insurance, it is important to evaluate the plan to see if it is enough to meet your needs.
Dental insurance typically provides coverage for a set amount annually. Some policies provide coverage for six or more years, while other policies provide coverage for just four to five years. The deductible amount typically determines the length of time you will be covered. Most dental insurance policies offer a wide range of deductibles. Some of the most common deductibles are: annual maximum, payment amount, total cost and annual percentage rate.
Some dental insurance policies provide coverage for specific oral health issues, such as periodontal disease, wisdom teeth extraction and tooth extraction. Others provide coverage only for dental surgery, braces and appliances, crowns and root canals. Still others may provide coverage for only major dental care procedures and some elect to limit coverage to “core” procedures. A few dental insurance companies only pay out in the event that you need dental surgery and oral surgery. You can usually choose the “core” that you want to pay out-of-pocket.
When shopping for a dental insurance policy, be sure to find out if there are any co-payments that will be required by your provider. Typically, co-pays are required if you visit a dentist for more than two times per year. They also can be required if you have pre-existing conditions. Check with your provider to learn if they have any restrictions on the number of visits or the kinds of services that can be covered by your plan. For example, a few basic plans may not pay if you have missing teeth or if you are undergoing treatment for an underlying condition.
With so many plans available today, it is possible to find one that suits your needs and budget. Research all of your options thoroughly to make sure that you have chosen a plan that meets your needs and has the coverage options that are important to you. You may find that it is easier to find a plan that provides more affordable monthly premiums like health insurance for more preventive care choices, or that allows you to choose many different coverage options.
As mentioned above, your annual maximum or deductibles will vary depending on the type of insurance that you purchase. Deductibles for preventive care will generally be higher than those for maintenance. Also, both annual maximum and deductible levels will vary between different insurance companies. It is important to do your research so that you can find a company that has a low annual maximum and a low deductible. This way you will be able to find the most affordable coverage option.