Dental insurance covers dental treatments and is actually easier to understand than medical insurance. The purpose of it is to counterbalance the costs of dental care. Dental insurance focuses on preventative measures that help patients maintain good oral health. The bottom line is that treating illnesses as soon as symptoms arise prevents them from turning into more complex issues. Of course it’s not always this simple. At times more severe problems are diagnosed. Dental insurance then covers at least a portion of the treatment, so a patient is never responsible for a full bill.
Dental insurance is a great benefit. It often covers preventative care at 100% and lowers out-of-pocket costs. While it is separate from medical insurance, many employers offer it in their benefit package (just like vision insurance). About 75% of Americans have dental insurance. Nevertheless, many of them do not know how it actually works or what it covers. Let’s answer some common questions.
Most dental insurance plans use the structure of 100-80-50. What does it mean?
A deductible, which is the amount you must pay before insurance coverage begins, may apply to basic and major treatments. As stated above, diagnostic and preventive services are usually free to patients.
Now that we’ve talked about the things covered, let’s focus on treatments not covered by insurance. They often include:
It’s important to remember that not all dental plans are the same, so you should always check with your provider about what exactly is and isn’t covered. You can also inquire with your dentists’ office as they prepare your treatment plan.
While reading about your dental insurance, you may encounter various important terms. Below we explain some of them:
How much you will pay monthly for your dental insurance will largely depend on several factors:
On average, a person pays $50 for their dental insurance. When you think about it, even if you’re not using your insurance, you end up paying $600 every year for your dental plan.
If you’re looking into more complex treatments and costlier procedures, you’ll need to check your coverage with your provider to find out the total cost you’ll be responsible for. It’s worthy to note that many basic insurance plans don’t cover implants without limitations or exclusions.
To ensure you don’t overpay for your procedure, follow a few simple guidelines:
Obamacare, or The Affordable Care Act, declared that pediatric dental care should be considered an essential health benefit. It can be a part of a larger medical insurance plan or a separate policy. At the same time, dental insurance coverage for adults is not required under the ACA.
If you have questions about your insurance coverage, plan options, treatment costs or if you need estimates, call our Kelly Road Dental Office. We are here to help you whenever you need it! Remember to also schedule a regular check-up visit to keep your teeth healthy!