Many people have dental coverage these days – and that is great! However, people have questions about it. One of these questions is “what does dental insurance cover?”
We’ve put together a list that goes over some of the information you will want to know about dental insurance coverage. Here it is:
Preventive care is usually covered by insurance in full
To keep your teeth and gums healthy, the American Dental Association (ADA) recommends that you have your teeth and gums examined and cleaned at least twice a year. Many individuals would like to believe that they should only see a dentist when there is a known problem. That really isn’t the best way to go about things. It is important to understand that preventive care is pennies on the dollar compared to emergency, restorative, or cosmetic services. So, it is best to see a dentist when before things take a turn for the worst.
Good oral hygiene and regular visits to the dentist are highly recommended. That is, if you hope to save yourself money and from other painful consequences. Early detection and preventive care are the name of the game.
Dental insurances usually cover a large portion, if not all of the preventive care services. They usually include dental checkups and exams, cleanings, and screening for oral cancer.
Often the only thing you will have to come out of pocket for is the co-pay.
The majority of minor restorative care is covered by dental insurance
Even the best of us get a cavity from time to time. If you detect it early, you limit the amount of work needed to repair it. Additionally, you reduce the cost of the dental treatment as well.
Dental insurances will often cover the majority of smaller types of restorative dental care. So, don’t fret if you need work and you have been diligent about preventive care. It probably won’t cost you an arm and a leg.
Roughly half of restorative treatment will be covered
If you need more extensive restorative care, you might have to split the bill with your insurance provider. You may utilize your dental benefit for other services if you require extensive dental care or an expensive restorative procedure. A limit of $1000-2000 is fairly common in order to reduce what you pay. It even includes more expensive procedures, such as dentures.
Making the most out of your dental insurance benefits
If you end up reaching your deductible, don’t be afraid to make the most of it. Dental insurance is there for you to use it. You shouldn’t be afraid to. Any remaining dental insurance benefits that aren’t utilized before the year’s end will be lost for good. With that in mind, you should act accordingly.
Most cosmetic dental serviced are not covered
Sadly, in most cases, cosmetic treatments are not covered by insurance. Occasionally there will be an service that appears to be restorative and cosmetic. If that is the case, you should consult your dental insurance company. In some instances, a dental office may offer a membership plan which can lower costs for you if you get regular dental care.
Everyone’s situation is unique
Your insurance plan as well as your specific insurance will play a major role in what is accepted and how much is covered. The difference can even be seen from dental office to dental office. Some offices might be in network with your insurance, and others, even if they accept your insurance, may not be. That can play a part in what you pay. You can ask your insurance company for a list of dentists near you that qualify.
If you have additional questions or still need to know, what does dental insurance cover, contact your dental insurance provider.