Having dental insurance can provide you with much needed peace of mind, especially considering the high cost of dental work.
Dental plans offer coverage for anything from routine exams and cleanings to more complex procedures such as root canals and extractions, some dental plans may cover dentures and crowns.
What's Typically Covered?
Typically, a dental insurance policy will cover regular checkups and cleanings twice a year, although there may or may not be an out-of-pocket copay required for each appointment.
Most dental insurance plans will also cover the majority or all of the expenses related to cavity fillings.
In addition to check-ups and fillings, dental insurance should cover annual X-rays, crowns, root canals, and other necessary repair work. However, it is possible that policy holders will be responsible for paying a deductible before coverage will kick in for these types of procedures.
What's Typically Not Covered?
While most dental plans cover basic dental work and preventative procedures, there are some procedures that many do not provide coverage for. A prime example of this is composite (tooth-colored) fillings. Often, coverage will only be provided for amalgam (silver) fillings, and policy holders will be responsible for paying the difference if they prefer composite fillings.
Cosmetic procedures, such as tooth-whitening treatments, are also usually not covered by insurance. Other non-covered treatments may include:
Are Their Networks With Dental Plans?
Dental insurance comes in three varieties: HMO, PPO and indemnity plans.
The advantage of PPOs over indemnity plans is that dentists within the PPO network typically agree to accept lower fees for procedures. So, a crown that results in $500 in patient costs under an indemnity plan might mean $400 in out-of-pocket costs under a PPO plan.
How Much Does a Dental Plan Cost?
The monthly premium wil vary depending on the face value of the plan ($1,000, $1,500, $2,500 per year). Cost is determined by the insureds age at the time the policy issues and can range from as low as $25 a month to as high as $75 per month. It's recommended you speak with a broker from our agency to customize a plan that best meets your needs and budget.
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