Dental Insurance Information
The Basics of Dental Insurance
Dental insurance typically covers procedures that improve the general health of your teeth and gums, including preventative services, basic dental procedures, and major services such as crowns and oral surgery. Depending on the procedure, consumers often have to fulfill a “waiting period” before a carrier will pay for a share of the dental costs. Dental insurance benefits are not standardized. One dental plan may cover a different collection of services than another dental plan. Before enrolling, it is important to evaluate a dental plan’s benefits. Some of the services you may want to confirm within the plan are:
- Dental exams every six months
- Teeth cleaning
- Fluoride treatments
- Tooth extraction
- Root canal
- Oral surgery
Why is Dental Insurance Important?
It is important to understand that Dental insurance is usually not covered as part of your standard Health Insurance Plan. To properly cover your smile, it is important to have a dedicated dental plan in place. For many people dental care is as easy as a twice yearly visit to their dentist for a checkup, cleanings, and x-rays. However for others it can be an extremely expensive process including things like oral surgery, root canals, full sets of dentures, or dental implants. Many of these dental expenses tend to go hand in hand with each other so the overall expenses tend to mount very quickly. Depending on the dental insurance plan you have and the max annual benefit you can save hundreds or even thousands on your dental work every year.
What to Discuss With Your Agent
Before buying a Dental Insurance Policy, be prepared to discuss the following with your agent:
- The services that the policy covers, and the specific limits for each kind of procedure.
- What network will be best for you based on your geographical area and existing doctors?
- Is Orthodontia important?
- How much is the premium and how often do I need to pay it?
- What is your financial situation, and what kind of Deductibles and co-pays will you be comfortable with?