Dental insurance is an investment in a healthy mouth and body because your oral health and overall wellness are connected. Your premiums for a dental policy give you access to comprehensive coverage for reduced rates. You can safeguard your smile and avoid costly dental bills later. Here are a few things to consider when shopping for dental insurance.
Most Plans Cover 100% of Preventive Care
Most dental insurance plans offer 100% coverage for preventive services, including cleanings and checkups. You can visit your dentist every 6 months for a co-pay to stop common dental issues from occurring. As a result, you’re less likely to need costly dental work later. Researchers have found that $1 of preventive care may save up to $50 on emergency and restorative fees.
Basic Restorative Care is Covered
Most dental plans cover basic dental services, like fillings. After meeting your annual deductible, your insurance can pay up to 80% of the expenses for medically necessary services. You don’t have to worry about large bills if your dentist finds anything concerning, like cavities or gum disease.
Major Restorative Services May Be Covered
If you require major dental work, your dental insurance will cover some of the expenses for medically required services. After meeting your annual deductible, you can use your annual allowance to lower the amount you will pay out-of-pocket. Typically, major restorative services are covered by 50%.
Some Plans Include Orthodontic Coverage
Some dental plans also offer orthodontic coverage for braces. Not everyone requires orthodontic care, but it can be a great addition to your policy.
You May Have a Waiting Period
It’s not unusual to have a waiting period after purchasing a new dental insurance policy. You’ll be required to wait a certain amount of time before your insurance will cover major dental services, but there may be some exceptions.
Your dental insurance will expire at the end of the year and you will lose anything you do not use. You won’t be reimbursed for your premiums or deductibles. With less than 3% of Americans meeting or exceeding their annual limits, billions of dollars are lost in unused benefits every year. After purchasing your policy, don’t wait to see a dentist. They’ll help you maximize your coverage to achieve optimal oral health for minimal expenses.
About Dr. Shahram Modarres
Dr. Modarres earned his dental degree at the New York University School of Dentistry and has continued his education regularly in various specialties, including dental implants and sleep dentistry. He is affiliated with many professional organizations, including the American Dental Association. Dr. Modarres accepts many dental plans to keep his services affordable. Request an appointment through his website or call his office at (301) 965-1447.