Dental Insurance Coverage Details

Dental insurance is a type of coverage that many people can access through their employer benefits or through a private plan. Every insurance plan is going to work a little bit differently, but they will all share common features. Here are the basics of dental insurance coverage.

Contract

When you find a dental insurance company that you would like to work with, you are going to enter into a contract agreement with them. They will provide you with dental coverage as long as you make your regularly scheduled premium payments. 

Network

Many dental insurance plans operate with a network arrangement. For example, if you have a dental insurance PPO plan, you are going to be able to choose from a network of dentists whenever you need treatment. Whenever you attend one of these dentists, you will be able to obtain services at a discounted rate. If you visit a dentist outside of the network, you will have to pay more for the services that you need. Dentists join networks in order to attract more business for their practices.

Premiums

In order to get dental insurance coverage, you are going to have to pay regular premiums to the insurance provider. Many people choose not to purchase dental insurance coverage because of the relatively high cost of premiums. For a family plan, you should expect to pay more than $150 per month for coverage. By paying premiums, you are essentially prepaying some of your dental expenses and spreading them out over the course of a year.

Deductible

Whenever you utilize dental insurance, you are also going to have to worry about a deductible. Whenever you visit a dentist that is within your network, you are typically going to have to pay a predetermined amount of deductible. Most of the time, this is a nominal amount that is only designed to keep you from using the dental insurance coverage all the time. In many cases, it will be around $50 per visit.

Coverages

Every insurance policy is going to have different coverages that they offer to their clients. No insurance plan is going to cover every possible dental expense and procedure that you could run across. Even "full coverage" dental insurance is going to have certain things that are excluded from coverage. Most plans are going to cover the basics such as routine cleanings and checkups. However, when you get into bigger expenses, they are typically only going to cover a portion of the bill. If you have to get a root canal or some other large procedure completed, you should expect to have to pay something out of pocket.

Many regular dental insurance plans will not cover the full cost of braces. In order to get coverage for braces, you will have to purchase an orthodontic dental insurance plan or an additional rider to your regular dental insurance coverage. Before you decide on a policy, you need to make sure you go over all of the things that are covered and the things that are not. 

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