Dental insurance is as important as medical insurance. Oral health has a huge impact on a person's overall well-being, as evidenced by research showing a link between oral infections and diseases like diabetes and heart disease. If you're in the market for dental insurance, or are considering switching policies, make sure you understand the details of each alternative. Here are 5 things to know about dental insurance:
1. Preventative care is covered by most plans. Preventative care typically includes a cleaning, a visual exam by your dentist, and x-rays to check for hidden cavities. While most dental insurance plans will cover 100% of these costs, some may cover less. Be sure your policy covers all preventative care fees, and make sure to make use of the benefit. Finding problems when they are small is the best way to avoid more costly procedures in the future.
2. Most dental plans will cover up to 80% of the cost of extractions, fillings, and crown and bridge repairs. You'll be responsible for the balance. Make sure you know what your plan specifically covers; some plans only cover amalgam (silver) fillings, so if you want tooth-colored fillings you may have to pay the additional cost.
3. Major restorative services, like root canals, crowns, and implants are usually covered up to 50%. You'll pay the balance, but luckily, these services are needed much less frequently.
4. Your plan will most likely not cover cosmetic or corrective services. A rider policy may help cover the cost of orthodontics.
5. Your dental plan may have a waiting period before coverage begins. While preventative care may be covered immediately, it can take several months or even up to a year before your policy will cover basic or major restorative services. Some policies only cover a limited number of services each year, so make sure you're aware of any limitations.
For more information about dental insurance, please contact:
Webster Cosmetic Dentistry, Ltd.
1121 Warren Ave., Downers Grove, IL 60515