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Everything You Need to Know About Dental Insurance

Everything You Need to Know About Dental Insurance
Written by TeamIdentity

When it comes to your oral health, prevention is key.

Good oral hygiene can have a positive impact on your overall health and wellness. By scheduling regular dental check-ups, you can relax knowing your mouth, teeth, and gums are in safe hands if and when need be. When it comes to health insurance, most policies include major surgery but disregard dental coverage. A separate dental plan can allow you to prioritize your oral health now and well into the future. Continue reading to find out everything you need to know about dental insurance.   

Most plans include partial or full preventive care 

When it comes to your oral health, prevention is key. Bi-yearly check-ups can not only ensure your mouth is clean and fresh but detect any symptoms that may indicate the presence of an underlying health condition. They can, however, get costly. Some dental plans cover 100% of the cost of preventative dental care whilst some may only cover up to 60%. You must find this information out ahead of time to ensure you are receiving the best service for the best price.

By treating your mouth to dental check-ups on a regular basis, you can save time and money on emergency or follow-up appointments down the line. If you have any questions or queries or just want a second opinion, your dental insurance provider should be able to provide you with all the information you need to make an informed decision. 

Some plans include restorative care 

Before you sign on the dotted line, you must ensure the dental plan you are considering includes restorative care. This includes the cost of fillings, extractions, and the re-cementing of crowns and bridges. Most dental plans cover a minimum of 80% of these costs with 20% required to be paid by you at the earliest convenience. With some restorative treatments costing up to four figures, this can end up saving you a considerable amount of money in the long run.

The vast majority of dental plans, however, only cover amalgam, or silver, fillings and not composite, or tooth-colored, fillings. As an additional extra, some dental plans also include orthodontic care. For example, if you are considering night time clear aligners and invisible braces, it may benefit you to choose a dental plan that incorporates the costs of installing and maintaining night time clear aligners or invisible braces. 

You must compare plans and providers 

Different dental insurance providers charge different rates for different plans. You must remember this whilst shopping around for dental insurance. The same rule applies to dentists. To ensure you are receiving the best service for the best price, you must weigh up the pros and cons of each before making a final decision. As well as being on the lookout for the best deal, you must also take care to notice any exclusions such as age limits or excesses for specific dental treatments. If you are struggling to decide, there are several comparison websites out there designed to help you find the right plan for you and your individual wants and needs. 

You should be wary of cheap dental insurance providers 

Some dental insurance providers pay only for the cheapest materials available. Whilst this may allow them to maximize their profits, you may be paying more than is necessary for a service that should cost less. A good dental insurance provider will never do this. If this appears to be the case, you should continue your search for a dental insurance provider elsewhere.

For example, if you require a silver filling, your dental insurance provider may only offer a tooth-colored filling. In order to receive a tooth-colored filling, you may be forced to pay an up charge. To avoid this problem, you must look for a dental insurance provider that does not include downgrade clauses. 

Most plans do not include cosmetic dentistry 

The vast majority of dental plans tend to only include dental treatments that are absolutely necessary. As a result, cosmetic dentistry, or treatments that have been designed to enhance the aesthetics of the mouth, teeth, and gums is rarely included in dental plans. Cosmetic dentistry includes teeth whitening, veneers, and implants. Some dental insurance providers, however, do cover cosmetic dentistry as an additional extra. If you are looking for a dental insurance provider that provides cosmetic dentistry, you must do your research and ensure this is included in your plan ahead of time. 

Dental insurance can allow you to maintain good oral hygiene. But if you are new to dental insurance, it can be difficult to know where to start. There are several key facts you should be aware of beforehand. For example, you should know that most plans include partial or full preventative care, some plans include restorative care, you must compare plans and providers, you should be wary of cheap dental insurance providers, and that most plans do not include cosmetic dentistry. 

Photo by Marcelo Matarazzo on Unsplash

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TeamIdentity

Our mission is to empower women to get all A’s in the game of life by discovering their power of Self-Acceptance, Appreciation, and Personal Achievement through all of our content and collaborations.

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