Is Dental Insurance an Important Part of Your Health Coverage?

If you believe a clean set of healthy white teeth is an important part of your life, you will probably find that dental insurance is a great benefit to your health insurance coverage and your budget.

Here is how your dental insurance will work. First, there will be a deductible that will have to be paid before the coverage begins. You will find the majority of dental insurance plans cover between 20% and 80% of your dental bill.

This means that if you have a deductible of $250 and a coverage of 75%, after you have paid $250 you can expect your dental coverage to cover 75% of what remains on the dental bill.

Is Dental Insurance Worth It?

Before you begin a new dental plan, you should take the time to read it carefully and make sure you know what is actually covered. You must consider the deductible. As you know, this must be paid before coverage can begin.

Another thing to consider when deciding to take out dental coverage is that many of the dental procedures are covered in categories. You will find that preventative coverage provides full or 100% coverage for things like x-rays, cleanings etc.

The next tier belongs to the most basic procedures like root canals, extractions and fillings. Most dental insurance providers will cover a percentage of these costs after you have paid the deductible.

Then there will be things like crowns, dentures and bridges. Most dental policies only pay a small percentage of these bills and this means you will be responsible for paying a larger portion.

How Do I Use My Dental Insurance?

Just like you have seen with your health insurance, your dental insurance will also provide you with a list of in-network and out-of-network dentists. If you stick to those that are on the in-network list, you will end up paying less since the provider will pay a higher percentage. By the same measure, if you choose to use an out-of-network option, you will have to pay a greater part of the bill. Some dentists or orthodontists may be able to offer you some options in this regard. It may also be just as well to pay a bit more for superior care from a dentist you can trust

Depending on the dentist you use and the dental insurance you have, you may be required to pay upfront for the dental work and collect a reimbursement from your provider later. In this case it is a good idea to have the cash in hand to do this.

Ask your provider if they require dental work is pre-approved in addition to the regular checkup. You can ask your dentist to handle this approval for you and call to make sure this has happened before you show up. If your case is an emergency, you can ask the insurance provider if you will still have to wait for approval. You will find that taking the time to have these points approved can save you a lot of trouble and expense later on.

Furthermore, there will be different classifications of basic, preventative and major procedures, so you will want to investigate these. This will affect how much ash you will have to pay out of pocket, if you want to get some work done.

Where Can I Get Dental Insurance?

You can receive dental insurance from your place of employment and even purchase your benefits on your own. If you are self-employed, you should consider being your own dental insurance and tucking away a little cash each month or year to cover any dental needs that may arise.

Are There Alternatives to Dental Insurance?

Instead of taking out dental insurance, you may consider getting yourself a dental discount card.
Instead of dental insurance, you may want to consider using a dental discount card. You should consider weighing out the options you have before deciding on the best solution for your health.

No matter how you choose to allocate these funds, having a plan in advance to cover the costs of dental care will preserve your health and protect against the inevitable. If you are susceptible to cavities and oral conditions, it may be best to have more frequent checkups and take better care of your teeth. While this will be an upfront cost it will save you plenty in the long run.

Ruth Chacon