Dental insurance is a type of health insurance that pays for a portion of the costs associated with dental care. Typically, the benefits include preventative and basic care, major restorative care, and orthodontics. Choosing an insurer can be confusing, but the following information will help you find the best one for your needs.
Preventive care is a form of health care that is designed to strengthen your body against illnesses and possible complications. Performing regular checkups can help detect problems early, which can save you money on treatment.
Dental insurance can cover the cost of preventive services. However, there are some limitations. For example, some plans may have a deductible. There are also annual maximums and coinsurance rates. If you go beyond the annual limit, you’ll have to pay out of pocket.
Most dental plans follow a 100-80-50 coverage structure. They group common procedures into tiers. These tiers include basic and major care. Basic care is covered at 80%, with major restorative care being covered at 50%.
Some insurance companies offer discount dental plans. These discount plans determine the discounted rate for treatment. You’ll need to contact your insurance company to learn more about the costs.
Dental insurance is an important part of maintaining good oral health. This helps prevent the need for more complex dental procedures later on. It also makes it possible to detect problems early on, which can be beneficial to your health.
Basic care is covered by most dental plans. This includes fillings, extractions, sealants, and x-rays. These services are reimbursed at a much lower percentage than more expensive procedures.
However, there are some exceptions. Some insurance policies only cover a certain amount of basic procedures. The most generous benefits are awarded for diagnostic and preventive services.
If you are in the market for a new policy, take some time to compare the various options available. There are many different types of dental plans, so read the fine print carefully.