Dental Insurance Information
Studies have shown that having good oral health is critical in order to achieve superb personal health. However, going to the dentist can be expensive. Dental Insurance can assist in making these services more affordable.
What is dental insurance?
Standard dental care can have a major impact in helping you attain the level of oral hygiene that you desire. An annual or bi-annual visit to your dentist can assist you in obtaining the oral health and comfort you prefer. Dental insurance is able to help make these essentials more affordable. Your dental policy may cover services such as:
Specialty work like fillings or root canals
Medically-necessary wisdom teeth removal
Crowns, bridges and other major procedures
Certain orthodontics care, like braces
Individual plans will differ in which procedures are covered. Depending on the plan you select, you will have varying fees, copayments, deductibles and premiums. Talk to your agent to determine which plan best suits your needs.
How do you get covered?
Most standard health insurance plans may not automatically include dental insurance. This is due to most adults’ dental needs not falling under the umbrella of medically-necessary services. In order to receive dental insurance, you may need to look elsewhere.
Stand-alone dental insurance plans exist from various insurers.
Many major health insurers allow you to tack dental coverage onto your existing health insurance. You’ll only pay one premium for the two types of coverage.
Certain health plans offered by the federal health insurance marketplace include dental insurance. The marketplace also offers stand-alone plans.
If you have a child under 18 years old, the federal health marketplace requires you to have dental insurance available to you. Dental care for children is an essential health benefit. An insurer must offer you coverage, but that doesn’t mean you have to take it.
Your regular health plan may cover dental care that is deemed medically-necessary. If you need oral, maxillofacial or jaw surgery, it might be covered by your standard plan. Some plans may also cover wisdom teeth removal if it is an urgent medical need. However, standard oral care such as routine cleanings and filings likely won’t be covered.
If you have any questions regarding if dental insurance is right for you, contact us today. You can request a quote online or by calling us at 281-395-5497.