Anyone who has ever had to rush to the dentist knows that dental work can be expensive. Even basic care such as checkups, x-rays and cleanings can add up to a large cost. If you have been to the dentist lately, you will know the need for full coverage dental insurance.
When you have a dental need, just check out your policy to see what is covered. Some policies will cover major expenses such as braces or root canals, while others do not offer the coverage. If your policy covers the work, then you will only be responsible for the deductible and the co-pay.
Yes, just like health insurance, dental insurance may require you to pay co-pay to your dentist. You will find annual deductibles and possible annual limits. As a part of the coverage, you may be required to have any problems with your teeth fixed during the first year of coverage. The policy will then work to prevent any further damage to your teeth through preventative dentistry.
Nearly all full coverage dental insurance covers regular checkups as well as cleanings. Other work may or may not be covered under your policy. It is important to read the policy to see what is covered.
Some people will have their full coverage dental insurance paid by their employer. Others may have to pay a portion of the monthly premium. These days, few employers cover the cost of the premiums for the family of the employee. If you do not have access to coverage through your employer, several companies offer this insurance through individual or family policies.
While full coverage dental insurance may seem to be expensive, it is often close to the cost that you would pay for regular dental checkups. In case of a dental emergency, the policy may be worth its weight in gold. When emergencies happen, you will be glad you have the coverage.
If you are investigating dental insurance, you need to know that there are three types of plans in the full coverage range. The basic coverage pays for checkups and preventative care. This type of insurance provides care that will prevent dental problems down the road. It covers the cost of any basic appointments you may have with your dentist, including cleanings and x-rays.
The next level of insurance covers minor dental care. Minor dental care is covered at a lower percentage than the basic care, but includes fillings and may cover other services including root canals or veneers. Remember, you will have more out of pocket expenses for these services.
The third level of coverage is for major dental care. This covers the most expensive of dental cares. This coverage may be very limited in most policies. Some policies do not ever cover this area, while others will have a cap on the amount paid for the expenses. Fortunately, this coverage is rarely used.
Overall, dental insurance is found to be affordable. It provides needed care for a bright smile.
Some employers offer a cafeteria plan that allows you to set aside a portion of each month’s paycheck to pay for deductibles. You may find this an important part of your overall dental are plan.
If your employer offers full coverage dental insurance its best to look into your dental insurance coverage by calling the insurance company to find what is and is not covered.