How Dental Insurance Coverage Works
Dental Insurance can sometimes be added to a health plan, or it can be a stand-alone policy. Most plans cover preventive care, like cleanings and check-ups, immediately. Many types of dental coverage have a deductible for other types of care, such as fillings or root canals. Once you meet your deductible, you will pay a co-pay for care.
What is Covered?
Although dental insurance generally cover preventive maintenance like regular checkups and cleanings, you may have to pay a percentage of costs. Plans typically cover most expenses related to cavity fillings and may cover a portion of annual X-rays, crowns, root canals and other treatments, according to the National Association of Dental Plans.
What is Not Covered?
Non-covered services generally include cosmetic surgery and cosmetic procedures like tooth whitening or composite (tooth-colored) fillings. Depending on the plan, orthodontic treatments, dentures and dental implants may not be covered.
The Cost Difference
Having a dental plan can save you money. If you have coverage, you will pay less for services. For example, a routine cleaning that is $124 without dental coverage could be included at no charge or for a reduced fee if you do have coverage. If you need a crown, it can cost over $2,000 per tooth without coverage. Benefits will vary depending on your plan.
What You Need
Think about you and your family’s needs when choosing a plan. Will your child need braces? Do you have a history of dental problems? Are you anticipating any major dental work? Dental insurance coverage can help maintain good health and save you money.