Dental Coverage

Proper dental care can be an important component of our well being and self confidence.

Why it’s important

Dental exams are great for early warning signs about more serious medical conditions.  Dental insurance coverage can provide first dollar coverage for preventative care and examinations.

Types of Dental Insurance Coverage

The main types of Dental Coverag are HMO's and PPO's.

HMO's have limited networks and you must receive care from your Primary Care Dentist.  However, the services are typically covered by a Co Pay, and the premiums are generally around 15 to 20 bucks a month.

PPO's do not require you to have a Primary Care Dentist.

Basic Dental Insurance Coverage - What is Included?

Dental Coverage is broken down into 3 catagories:

1. Preventive and diagnostic dental care: Almost all dental plans and dental insurance policies cover basic dental costs that are meant to prevent dental problems. For the policyholder that means, most plans cover a large part or all the dental costs associated with basic services such as cleaning, checkups, and other dental procedures meant to prevent tooth and gum disease. This coverage is important because it encourages people to seek regular dental care, which can prevent more complicated and costly problems.
2. Basic dental care and dental procedures: Most dental plans and dental insurance also cover basic dental procedures such as fillings, tooth extractions, fixing chipped teeth, and other such basic procedures. However, basic dental care varies from one provider to another. In general, since providers cover a significant portion of basic dental care, it makes sense to select a dental care insurance provider that covers as many dental care basics and procedures as possible.
3. Major dental care: While not all dental insurance plans cover major dental care, some do cover at least a portion of these costs. Major dental care can include procedures such as dental surgery, orthodontics, denture work, and other large, expensive dental procedures. If you will require major dental care at some point in the future you may wish to look for a provider willing to pay for as large a percentage of this type of care as possible.

 This is a brief overview of the coverage that can be included in a Dental Insurance policy. You should read a policy thoroughly before purchasing any insurance policy.