Not all dental insurance coverage plans are created equally. They vary from the type of coverage to the deductible. Because everyone needs insurance, you can choose what type of coverage you need and how much of a deductible you want as well as if you want one with a co-payment. You can also choose a coverage that allows you to see any dentist or one that has a list to choose a covered dentist from for coverage. In some cases, if you do not use the recommended dentist from the list, your coverage is lower, than if you use a dentist they prefer.
Using A Dentist On The List
Some things to know about prefer providers and non-preferred providers. If you use a preferred dentist, your coverage is higher and normally the coverage is up to eighty percent and in some cases depending on your coverage plan, all costs are covered with a small co-payment. The dentist simply sends all bills to the insurance company and all is paid providing you have paid your co-payment and deductible.
The Type Of Coverage You Receive
Below are a few things you receive coverage for with dental insurance coverage:
o X-rays- usually once a year
o Oral examinations
o Root Canals
o Tooth extraction
o Capping of teeth
You should visit a dentist twice annually as recommended by the American Dental Association. This will be for examinations, cleansings and overall dental care. Once a year the dentist will do x-rays, and this is usually good for the year. If you have problems outside the two visits, whether for a root canal or a tooth extraction, this will be covered as well.
Dental insurance coverage may in some policies, cover orthodontic treatments with a higher co-payment and out of pocket expenses. This all depends on the type of coverage you have and if you include this in your policy. Because all dental insurance coverage plans vary, you need to check around and see what coverage fits your needs. Whether you need individual plans or family plans will also depend on the type of coverage plan you select. Everyone needs to have dental insurance coverage and this is why insurance companies have many different plans to fit everyone's needs. Do a little comparison-shopping before deciding on the right coverage for you or your family.