When shopping for dental coverage, you may look at several dental insurance quotes to find a plan for you and your family. But how do you know you’re selecting the right plan? How you plan on using your dental insurance and the amount of coverage you’re looking for can greatly influence which plan you select.
There are two ways to receive dental coverage. Adults can choose a health insurance plan with dental insurance included, or they can purchase a separate dental plan. If you have children (18 years or under) on your health insurance plan, then their dental coverage may already be included as an essential health benefit.
It’s important to note that when you choose a stand-alone plan, you’ll pay a separate premium in addition to the premium you pay for health insurance. When comparing quotes, you’ll need to know about high and low dental plan coverage levels to ensure you get the right amount of coverage.
Dental Coverage: High and Low
When you shop for dental insurance, you’ll find two types of dental plan categories: high and low.
With the high coverage level, you pay a higher premium rate, but pay lower copayments and deductibles. The plan will also cover a larger percentage of the cost for in-network services, such as:
- 100% of cost for preventive care (exams, cleanings, and x-rays).
- 80% of cost for basic restorative care (fillings, extractions, and periodontal maintenance).
- 50% of cost for major restorative care (bridges, dentures, implants, periodontal surgery, root canals, etc.).
These percentages will vary per plan, but when you pay for a high coverage dental plan, you can count on your dental insurance provider to cover a higher portion of the costs for services.
Now, if you elect for lower coverage, you pay a lower premium rate, but you’ll have higher copayments and deductibles. This plan won’t cover as much as the high option level for in-network services. At the low coverage level, you can expect to pay more out-of-pocket costs for dental services at a lower premium rate than the high level coverage.
With 140+ insurance companies and hundreds of plans available nationwide, HealthMarkets Insurance Agency can help you find a quote for a dental plan that works with your budget and dental needs. We’ll review dental insurance quotes with you and discuss your available plan options.