Get All Of The Facts On Dental Insurance
What is dental insurance? You may have asked this question while researching your options for affordable healthcare. Dental insurance can be difficult to decipher thanks to various nuances that differentiate it from traditional medical insurance. In the following article, we’ll give you the basic facts about dental insurance including what it covers, what it costs and how to get it.
What Dental Insurance Covers
For the most part, dental plans are created to promote preventive care over treatments. Insurers know that most people will take care of their teeth at home and through regular checkups, so the impetus is low to provide in-depth coverage for intensive dental work. Still, many plans do cover at least some portion of major dental work as well as routine services. Dental plans recognize the following classes of service:
While dental insurance covers many of the services that you’ll likely need, you should note that most dental plans also place restrictions on certain types of treatments and the frequency of your treatments. Here are a few things to keep in mind:
Dental insurance also places an annual limit on the amount a carrier will pay for treatments. In most cases, your cap will range from $1,000 to $1,500 per year, per beneficiary. Once your insurer pays this maximum amount, you’ll be responsible for any additional costs associated with your dental care. If you need a lot of expensive treatments, then you should shop around for plans that offer higher maximum payouts.
Different Types of Dental Plans
There are three different types of dental plans in the United States. No plan type is inherently better than any other type, but there are advantages and disadvantages to each. When shopping for insurance, you’ll likely come across the following plan types:
You can also buy a dental discount plan, but this doesn’t qualify as insurance. Instead, it’s a discount system that allows members to receive treatments at a reduced rate. Most dental insurance plans do not cover cosmetic treatments, and some don’t cover certain elective options even if they seem necessary. Dental discount plans can be used for any dental treatment, but it’s not the same as having insurance.
Average Cost of Most Dental Insurance Plans
The cost of a dental plan varies according to location, carrier and the type of plan as discussed above. Dental premiums cost much less than medical premiums do, but dental insurance doesn’t offer the same level of coverage. Here’s a breakdown of the average costs for each type of dental plan:
Cost is relative when it comes to insurance. Different carriers in your state may offer more competitive rates depending on your needs. For example, Blue Shield of California offers an example of how dental insurance might save you money during a regular year, but your situation may differ. Before you commit to an employer’s plan, research your options in the private sector and the government marketplaces because you may find a better deal.
Options for Buying Dental Coverage
Many people with dental insurance buy their coverage through work, but you don’t have to choose your work’s policy if it’s not what you need. You have several options for getting dental insurance.
Buying dental insurance can be a good investment, but it’s not necessarily an expense that many people choose because the benefits don’t always outweigh the cost in some situations. Evaluate your dental needs thoroughly to determine if dental insurance will work for you.