Dental Insurance
Dental insurance helps make dental care more affordable! With an emphasis on prevention, dental insurance typically helps covers professional services like routine check-ups, cleanings, and exams. This helps reduce out-of-pocket costs, so you pay less for the dental care you need. A healthy smile can make all the difference.
Whether enabling you to take care of small dental concerns before they become big problems or making complex dental treatments more affordable, having a dental plan can help you and your family achieve better overall health.
Dental plans can help you manage your dental care costs more effectively — because the cost of not taking care of your oral health could end up being more expensive.
People without individual dental coverage are less likely to get routine dental care.
Waiting until there is a problem means that dental treatment will often be more involved and expensive.
Major problems linked to poor oral health (like heart disease and diabetes) are more likely to appear.
How Does Dental Insurance Work?
Dental insurance plans are intended to reduce the cost of dental care. Providers typically negotiate lower fees with in-network dentists, and also pay (“cover”) a percentage of the reduced fee. You pay the rest out of pocket.
Here’s a breakdown:
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Preventative Care
Dental insurance plans typically cover up to 100% of the cost of preventive care, which can includes annual checkups, bitewing x-rays, and routine cleanings.
Basic Services
Most insurance plans cover a larger portion of cost of “basic,” uncomplicated services, such as fillings, simple extractions and some types of deep cleanings.
Major Treatments
Dental insurance typically covers around 50% (varies from plan to plan) of treatments such as root canals, crowns, bridges and dentures. A waiting period is common.
Understanding Dental Insurance Terminology:
annual maximum
The most your dental insurance plan will pay annually toward your cost of care
waiting period
The length of time that must pass before specific procedures are covered by your dental plan
coinsurance
A percentage of the cost of a dental service that you pay out-of-pocket
Premium
The amount you pay each month for dental insurance
Copay
A flat fee you pay for a dental service covered by insurance
Deductible
The amount you pay out-of-pocket before your coverage begins
annual maximum
The most your dental insurance plan will pay annually toward your cost of care
waiting period
The length of time that must pass before specific procedures are covered by your dental plan
coinsurance
A percentage of the cost of a dental service that you pay out-of-pocket
premium
The amount you pay each month for dental insurance
copay
A flat fee you pay for a dental service covered by insurance
deductible
The amount you pay out-of-pocket before your coverage begins
