An estimated 85 million Americans are without dental insurance. Here are some suggestions when searching for the appropriate dental insurance plan for you and your family. Being a smart consumer is important when it comes to purchasing a dental policy. Shop around and secure estimates prior to settling on a decision.
By far, the Internet is the best resource for information regarding dental coverage. The Internet makes it easier for you to compare and contrast plans, coverage, deductibles, and the fees related to maintaining the monthly premium.
How Dental Insurance Works
Dental insurance works similar to how health insurance works. For a specific monthly premium rate, you are entitled to certain dental benefits. These benefits generally include x-rays, cleanings and regular check-ups. Some plans provide broader coverage than others and some require a greater financial contribution on your part at the time when services are rendered. Also, there are some plans that may provide coverage for dental implants, certain types of oral surgery, or orthodontia.
Dental Insurance Advantages
Seeking dental coverage ensures the health of your teeth and gums. Unfortunately, if you have to pay the full cost of dental care, you may find it difficult paying your dentist bills. Perhaps even more seriously, without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems.
Dental Insurance Disadvantages
Most dental insurance policies require you to be signed up for a set period, often three to six months, before they will pay out for treatment. A number of providers will set a cap on the total amount they will pay out in any one year, while cosmetic work such as teeth-whitening is unlikely to be covered by a dental policy.
Many dental insurers place limits on specific services. If you have questions regarding this, make sure that you ask the representative so you completely understand what protection you will see from the carrier.
There are many individual dental insurance plans which DO NOT cover emergency work.