Whether you currently have dental insurance or are considering one of hundreds of dental insurance plans, understanding how a dental plan works will help you select the right fit for your needs. Consider if you anticipate scheduling routine care or major dental work in the next year when selecting dental coverage.
While some health insurance plans cover dental, other plans do not. To start, know that policies can cover seven different areas:
- Preventive care—cleanings, routine office visits
- Restorative care—fillings and crowns
- Endodontics—root canals
- Oral surgery—tooth removal, tissue biopsy, and drainage of minor oral infections
- Orthodontics—retainers, braces, etc.
- Periodontics—scaling, root planning, and management of acute infections or lesions
- Prosthodontics—dentures and bridges
Two Types of Coverage for Dental Insurance Plans
There are two types of plans for dental insurance: high coverage plans and low coverage plans. To decide which plan would work best for you, consider your dental concerns and how regularly you visited the dentist in previous years.
High coverage plans have higher premiums but lower copayments and deductibles. This means that you'll pay a higher cost per month for the coverage, but your out-of-pocket fees are significantly less. If you anticipate needing major dental work, a high coverage dental insurance plan could be more affordable in the end.
Low coverage plans have lower premiums but higher copayments and deductibles. This means that your monthly payment will be low, but your out-of-pocket fees when you visit a dentist will be high. If you anticipate needing routine care without major dental work, a low coverage plan might be a good fit for you.
It’s important to note that if you have comprehensive healthcare coverage, any dependents on your plan who are 18 years of age and younger can be covered for dental care as an essential health benefit under healthcare laws. This means that if you are above the age of 18, you will need to consider other dental insurance plans for coverage.
At HealthMarkets Insurance Agency, we want you to feel confident in your dental coverage. With access to hundreds of plans nationwide, we can compare dental options and help find the right one for you within your budget. Call us today at (800) 360-1402.