How To Get Dental Benefits Plus Much More From YOUR Dental Insurance
Why is dental insurance important? Most
people who purchase dental insurance do it to ensure they have
and keep healthy teeth and mouths. Since the cost of dental procedures
are costly, many people purchase dental insurance to lessen their
out-of-pocket costs. Before deciding on a specific dental insurance
policy, it is important to understand what benefits and coverage
are offered under the policy.
Don’t let the jargon intimidate
you! Do research on what the plan covers and what it doesn’t.
Get specifics. By asking questions, you’ll get the dental
insurance plan that is best suited for you.
What is included under basic dental insurance coverage? Well, coverage
varies depending on the provider, the policy and/or the plan chosen.
Make certain you read the fine print of your policy or agreement
to find out for certain what it is your policy includes. Some dental
insurance companies offer to pay percentages of both in-network
dentists and out-of-network dentists. The cost for those in the
network would be less out-of-pocket for you than the ones outside
the network. Check to see if specialists are in network or out.
Specialists like orthodontists aren’t always included in the network.
Most basic dental insurance policies include preventive and diagnostic
care, basic dental care and dental procedures, and major dental
care. Preventive care means the provider will cover any basic dental
cost that is intended to prevent dental problems. Examples of these
might be cleanings, checkups and the initial x-rays. Basic dental
procedures might include fixing chipped teeth or fillings and some
even cover root canals in their basic policy.
One difference between dental insurance plans is that some will
provide coverage for what is called major dental care and others
won’t. Surgery, orthodontics,
denture work or other extensive dental procedures may or may not be covered with
your policy. Look for a provider who will cover as much of these major procedures
Of course, you will want to choose a provider that gives you the most benefits.
If you have a family, you’ll want to choose a dental insurance provider
that is going to offer the most benefits for you and your family. Under a family
dental plan, the spouse and children are included on the plan. Ask the provider
if they give free dental services for children. If they don’t offer free
services, ask if their rates for children are at least a bit lower than another
If you are looking for individual insurance, that can be a bit more difficult.
Most insurance companies won’t offer dental insurance for an individual.
However, dental plans are readily available for individuals and they can save
you a lot of money on those costs that come up yearly or otherwise.
Dental plans and dental insurance are different, but some dental plans offer
bonus benefits in addition to the basics. Some perks might include chiropractic
care, vision care, help with hearing device costs, and orthodontic care. These
extras can add up!
Overall, ask lots of questions! Make sure you get the most coverage you and your
family can get at the lowest cost to you as possible.