Dental Insurance

Why have Dental Insurance?

 Dental insurance is crucial because it helps individuals manage the costs of maintaining good oral health, which is essential for overall well-being. Routine dental check-ups, cleanings, and preventive care can catch issues early, preventing more serious and costly problems down the line. Dental insurance often covers these preventive services at little to no cost, encouraging regular visits to the dentist. 

What does Dental Insurance cover?

Dental insurance typically covers a range of services that fall into three main categories: preventive, basic, and major care.

1. Preventive Care: This includes routine dental check-ups, cleanings, X-rays, and sometimes fluoride treatments. Most dental insurance plans fully cover these services because they are essential for maintaining oral health and preventing more serious problems.

2. Basic Care: This category often includes treatments such as fillings for cavities, extractions, and treatment for gum disease. Basic care services usually come with a copayment or coinsurance, where the insurance covers a significant portion of the cost, but the patient is responsible for a smaller percentage.

3. Major Care: Major dental services include more complex and costly procedures like crowns, bridges, dentures, and orthodontics (such as braces). These services are typically covered at a lower percentage than preventive and basic care, meaning the patient will pay a higher out-of-pocket cost.

Additionally, some dental insurance plans may offer coverage for cosmetic procedures, but this is less common and often comes at a higher premium. It's important to review the specific details of a dental insurance plan, as coverage can vary widely between different insurers and policies.