If you are in the market for dental coverage, then you are probably already in pain. If you are not – good for you! It is always wise to get your hands on some dental insurance before you need it, but if you are already ready to see the dentist, then you will still come out ahead.
Full coverage dental insurance is the type of insurance that most people are looking for when they think of dental insurance. There are multiple types of dental plans from which to choose – some are actual discount plans while others are insurance. Full coverage dental insurance is not a discount plan, but much more like medical insurance. It does not cover everything, but it can save you a lot of money.
For most full coverage dental insurance plans, you will pay out of pocket for the first year. After that, the insurance kicks in more and more, usually up to a maximum level within three years. For instance, if your insurance plan only covers 10% of a root canal in year one, it may cover 30% in year two, and 50% in year three. Discount plans rarely increase their coverage over time.
Keep in mind that with any dental plan, there are always things that will not be covered. Most cosmetic dentistry (except that required because of accidents) is not covered, and neither is orthodontia. But, you can save a lot of money on many typical procedures such as fillings, root canals, extracts, and crowns.
In this day and age, you really can not afford to be without dental coverage. If the worst happens and you break a tooth, lose a tooth due to injury, or suffering from dental pain, it is reassuring to know that you can afford to go to the dentist and get your tooth fixed.