Unlike medical insurance, dental insurance or dental plan, has policies that are so straightforward that you won’t even break a sweat to understand them. Here’s a breakdown of how dental insurance works.
First, dental insurance covers procedures divided into 3 categories – preventative, basic and major dental care. For preventative care, such as routine checkups, cleanings, x-rays, fluoride and sealants, most dental plans cover 100% of the fees. Basic procedures include fillings, root canals, extractions, and treatment for gum disease are usually covered at 80%. As for major procedures, including bridges, dentures, crowns, and inlays, the cost is covered at 50%. You will need to pay the remainder. Therefore, it’s necessary for you to learn about the coverage before choosing any policy.
Second, the mechanism of dental insurance is based on your affordability along with which kind of providers or dentists you would like to pick from. If you’ve choosed a dentist in the insurance company’s network, it may cost you less. If your dentist is not in the network, an insurance is still available, but you have to pay much more for the services. Thus, you’d better choose a dentist in the insurance company’s network.
Many dental insurance companies provide monthly premiums. The monthly premiums will be determined by your location, the insurance company you choose, and the plan. In most cases, the monthly premium will cost you about $50 per month, so that you need to spend about $600 on dental care every year even if you don’t visit your dentist.
In general, dental insurance works in a very specific way. Before you make any decision, remember to learn the differences between policies and to take your affordability into consideration. So that you can avoid wasting the cash in your pocket.