Dental insurance works like many other types of health coverage, but is designed especially for visits to the dentist. The patient pays a monthly fee or premium to an insurance provider and the insurer pays for some or all of the patient’s dental care, as per the agreement, up to a specific coverage limit. For example, if you are covered up to $10 000 in dental coverage, then you can use up to that amount yearly on basic dental care. If you need care exceeding this amount, you may need to pay for the dental care out of your own pocket, although the insurer will cover part of your costs.
What Dental Insurance Covers
Dental insurance plans vary widely, and for this reason what is covered in one plan may be very different than what is covered in another. However, most general dental insurance plans will cover at least:
Many dental plans cover regular dental cleaning
Most insurance providers cover a basic yearly professional cleaning. This is a vital service, as professional cleaning by a dentist allows for removal of the tartar and plaque that regular brushing can’t remove. Even more seriously, such regular visits can help ensure that a dentist has the chance to notice any problems that require further care.
Many dental plans cover fillings and crowns
Most dental insurance will cover at least part if not all the cost of fillings and crowns. If you have cavities or chips, this type of coverage can save you a lot of pain and can make this type of basic dental care affordable to you.
Many dental plans cover emergency tooth replacements
If you lose a tooth in an accident or injury, your dental coverage may help to pay for a replacement. This is vital, since missing teeth can affect your ability to speak and to eat properly. Many people also find that missing teeth negatively impact their self-esteem.
Many dental plans cover non_cosmetic oral surgeries
This feature of dental coverage is key since many serious tooth and gum problems (including extraction of some teeth) requires surgery. Without this coverage, your costs for dental care costs could be enormous.
Many dental plans cover dental x_rays
This allows your doctor to check for conditions and to get the best details about the condition of your teeth and gums.