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Independent dental insurance, is insurance obtained outside an employer. If you own your own business, or your job doesn't cover all your needs, independant insurance can be valuable.
Depending on the type coverage you choose, independent dental insurance can cover such dental work as basic cleanings, crowns, fillings, x-rays, and root canals. Independent insurance lets you mix and match the type of coverage and service you need based on the three main types of dental care:
- Preventative Care – This includes examinations, fluoride cleanings, x-rays, and sealants;
- Restorative Care – This includes fillings and basic extractions. Some insurers also consider root canals as restorative care, while others label it a major procedure;
- Major Procedure – This includes dentures, crowns, partials, bridges, dental implants, and extractions that require surgery.
