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How does dental insurance work?

How Does Dental Insurance Work for PatientDental insurance is an important type of insurance coverage to carry for many people. However, it truly is not the best option for everyone. If you have a family or have a history of dental problems, you are likely to get your money’s worth for your dental insurance premiums.

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If you are single and have great teeth, you may better off to avoid paying the extra expense for the coverage. Dental insurance works much the same way as health insurance. In most cases, you must pay for your treatment first and get reimbursed after you file a claim. Other plans will work with the dentist directly.

Before choosing to carry dental insurance, calculate the cost for the coverage and the amount of coverage you would receive per year. If the coverage does not surpass the cost in an average year, you need to take a pass on dental insurance. In this case, a dental discount plan might be a better option.

What Dental Insurance Covers

Dental insurance covers a variety of dental treatment including, but not limited to:

  • Professional cleaning
  • X-rays of teeth
  • Check-ups
  • Fillings
  • Root canals
  • Crowns

Essentially, most things that are preventative or restorative are covered with dental insurance. Things that are not included are things such as teeth whitening and veneers because they are deemed cosmetic. Sometimes oral surgery or dental implants are covered by certain plans.

Only select types of dental insurance will also provide coverage for orthodontics. This is an extremely beneficial type of coverage for those with families. However, this is an area where you must be extremely careful. Some employer-sponsored group policies will offer this type of partial coverage, but not all. Therefore you should read the fine print before embarking on costly orthodontic treatments.

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The Difference between Dental Insurance and a Dental Discount Card

There are many health insurance companies out there that are offering a dental discount card in lieu of dental insurance. While a discount card is a good option for someone who has no dental insurance at all and simply can’t afford the premiums or chooses not to carry such coverage, it is not the same as dental insurance.

With dental insurance you have certain procedures that are covered for prevention of cavities and treatment of cavities, as well as other things. Quite often coverage is done in percentages with higher amounts of coverage for preventative treatment and partial coverage for dental repairs and restorations.

A dental discount plan will earn you better prices from a variety of dentists and dental hygienists who have pre-arranged agreements with the card provider. This is an excellent way for dentists to increase their clientele and it costs them very little in the way of advertising.

Many insurance companies offer their customers dental discount cards, especially when they see that the dental insurance enrollment is dropping. It costs the insurance company practically nothing because their involvement in the process is limited to issuing the discount card. They have no administration or billing to do. They simply act as promoters.

There are also excellent plans on the market which are dental health discount cards. You must buy such cards, but they often have very limited choice in providers.

Get Dental Insurance Now

If you are in the market for dental insurance, take the time to shop around and compare as many quotes as possible before you make your decision. By getting quotes from the free dental insurance quotes tool, you can quickly and effectively access a variety of quotes from top companies offering dental insurance coverage in your area.

Make sure that the quotes you are considering are for plans that cover your favorite dentist if you have one. If you have no dentist or don’t mind switching, you will have more flexibility in your choice. As with any insurance shopping, be sure to read the fine print on quotes, especially if one is significantly less than all the others.

Prior to making that final decision, check out the customer care record of the company through the state insurance department or with an online search. This will let you know how the company treats customers. Be sure to make sure the insurer is financially stable also. This will reassure you that if you need a claim paid, the company will be able to do it. You can find out independent data on insurance company financial ratings through one of the independent insurance ratings companies like Moody’s or Weiss Ratings.

Finding the perfect coverage for your needs by typing your zip code into the online dental quotes tool right now!

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