A Reason To Smile
Dental Insurance pays a portion of costs associated with preventive, minor, and some major dental care.
- Dental plans include coverage for preventive care like routine exams, cleanings, and X-rays. Some plans require a copay for preventive services while others cover those services 100% with no copay.
- It does depends on the plan you choose, but preventive services are usually covered. Many dental plans also include coverage for basic services like fillings and extractions, and major services like root canals, crowns and more.
- Some insurance plans have waiting periods. Sometimes there are no waiting period on preventive services once you become covered.
- As soon as you purchase the dental insurance you would be able to use the preventive care benefits. While some plans have no waiting periods, on other plans basic and major services may have waiting periods ranging from 4 to 12 months.
- When using In-network dentists that have agreed to a lower negotiated rate on services, meaning you pay less before your insurance carrier even gets involved. When using out of network dentists this mean a dentist can bill a patient for any remaining amount up to the billed charge. It's always a good idea to check to see if your doctor is in-network before you buy a dental plan. If you already have a dentist, be sure to confirm if he or she is in-network to assure a more affordable experience for yourself.
- Many dental plans have no age limit for coverage, so customers of any age can enroll in coverage. However, there are plans available specifically geared towards customers around Medicare age that may offer more age-relevant benefits.