Dental Insurance 101: Here’s What to Know

Dental care costs are quite high. Even after forking out the money in the dentist’s office, you may need to pay for a cab because you won’t be able to drive for 24 hours following oral sedation dentistry. Dental insurance protects you from the high costs typical of dental care. When you need care and use the policy’s covered services, such as preventive care, dental insurance can finance it. In some aspects, such as deductibles, dental insurance is comparable to health insurance, but dental coverage has certain distinctive characteristics.

What Is Dental Insurance?

Dental insurance offers financial assistance to cover the cost of dental care. Unless your employer provides it for free, you must pay a premium to receive coverage. These policies typically have coinsurance, copayments, and deductibles, which you pay when you obtain care.

Additionally, you might need to stick to the plan’s provider network, and policies typically have a cap on how much they’ll pay for your dental treatment. Dental insurance is often provided separately from health insurance and is obtained by many people via their employers. You can also purchase a family or individual dental insurance policy directly from dental insurance providers.

How Does Dental Insurance Work?

First, you pay a premium, the monthly sum you pay in exchange for dental insurance. Dental insurance provided by an employer may be deducted from your income. If you purchase a plan independently, you pay the monthly premium to the insurer directly. Before obtaining dental care beyond routine oral checkups for preventative purposes, you might have to wait six months in some cases.

Some forms of dental insurance may require you to pick a primary dentist. You will schedule appointments with this dentist for any issues, and they’ll organize any specialty dental treatment you might require. Pay attention to the limitations and frequency. These dental coverage terms outline what is and isn’t covered. For instance, once every six months, you may receive a free dental exam and cleaning. Additionally, you could only be insured for a limited number of dental care and treatment options, ranging from minor to significant procedures. Your coverage may have one or more deductibles.

What Does Dental Insurance Cover?

The plan you select will determine what your dental insurance will cover. Most dental insurance policies offer free preventative treatment as part of their coverage. This frequently involves a dental checkup every six months and certain kinds of mouth X-rays. These types of treatments range from major to basic. The expense of your dental treatment may increase the more complicated and specialized it is. You may wish to research dental plans that offer additional coverage for restorative procedures like these if you anticipate requiring dental care beyond regular preventative checks.

What Doesn’t Dental Insurance Cover?

The kind of dental insurance plan you select will determine this. For instance, if you simply get a preventative dental plan, you cannot be covered for dental procedures like root canals, dentures, crowns, and bridges. Other procedures that may not be covered are cosmetic surgeries, teeth whitening, and getting veneers.

Not all dental insurance policies will cover orthodontic devices like braces or retainers. Make sure you comprehend the details of any plan you’re thinking about if you’re looking for dental insurance with orthodontic coverage. For instance, there could be discrepancies between the coverage for orthodontic appliances like braces or retainers and the coverage for the orthodontist’s services. 41% of Americans floss daily and 20% never do. If you’re among that percentage, consider flossing as a preventative measure.

Planning ahead for the dental care you and your family anticipate needing is the key to ensuring that your dental plan covers specific treatments. The American Dental Association (ADA) serves to support the dental profession and to help its members improve their patient’s overall oral health. With that said, you can find ADA-sponsored insurance plans with a quick online search.