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 Dental Insurance

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Dental insurance is something that most of us are familiar with, but do you know what it covers? How much it costs? And what the limits are? With so many different dental insurance companies out there, the answer to those questions can get complicated. Fear not though - we've found the best companies. You may just come across a company that has a lower price than your plan - read on to find out more about how to find and compare dental insurance plans.

With no discussion of benefits or features, this article will lay everything out for you and help you make an educated decision about whether or not dental insurance is right for you. Whether you're a mom to 3 kids or a young lawyer at an uptown law firm, we'll teach you everything you need to know about dental insurance.

What Is Dental Insurance?

Dental insurance is a form of health insurance that pays for dental procedures that are necessary to maintain your oral health. Some companies simply cover routine checkups, cleanings and x-rays while others will pay for implants, dentures and more! It's different from medical insurance in that it isn't federally regulated like medical insurance is. This means that each state can have different regulations about who must provide dental coverage, how much they must cover and so on. It also means that dental insurance costs differ depending on the state you live in.

What Dental Insurance Covers VS Medical Insurance

When you have both medical and dental insurance, it's important to remember that they are different from each other in many ways. While medical insurance covers ailments and illnesses, dental insurance covers teeth. This mostly includes basic dentist visits such as checkups or cleanings but can also include other procedures like root canals or implants. Below is a chart to help you see what each policy will cover:

Medical Dental Please note that policies differ by state and company – this is just for general reference only! Please consult your individual health plan for details on covered services (including limitations). Not all insurance policies cover all medical procedures; please consult your individual policy for more information.

What Are Dental Benefits Under Medical Insurance?

What Dental Benefits Are Available Under Medical Insurance?

The general dental benefit is the make-up of what you'd receive if you had dental insurance but don't. It will usually contain the following basic benefits: Free checkups and cleanings

Laser whitening services (usually for teeth only)

Prescriptions for tooth/gum care products and supplies (typically $80 to $100) The most important thing to note about this benefit is that it doesn't include any fixed dollar amount. That is why it is referred to as a general benefit. If you're covered by medical insurance, the dental benefits under your policy will be much more extensive, but that's really beside the point.

What Dental Benefits Are Available At A Premium Rate?

The benefits that are generally available at a premium rate cover expensive procedures and treatments. The most common areas for include: Dental implants - these are metal posts that are surgically placed into your jawbone to strengthen and support your teeth. This can cost anywhere from $5,000 to $10,000. Dental veneers - this is a plastic overlay used to make teeth appear whiter and straighter. It can cost between $1,000 and $6,000. Cosmetic dentistry - this is a very broad category that includes almost anything but dental crowns and bridges. Other cosmetic procedures can range from $500 to $5,000 depending on the type of procedure. Funeral expenses - make sure you get this before you die!

What Is The Difference Between Dental And Medical Insurance?

The main difference between medical and dental insurance is that our medical insurance covers catastrophic health conditions and our dental insurance covers problems with our teeth. The most important distinction is that dental insurance covers one's own teeth whereas medical insurance covers injuries or illnesses that affect the person who is covered.

What Dental Insurance Costs?

Dental insurance costs generally vary based on three key factors: The type of plan you have - there are some plans that are more expensive than others. The region where you live - in a more urban area, claims can be higher because more people can benefit from them. The type of procedure you need- procedures such as veneers and implants tend to cost significantly more than routine procedures like cleanings and fillings. According to recent data from the National Dental Association, an average person will spend about $700 a year on dental insurance. Another website estimated the national average at $1,500 a year for dental coverage.

What Does Insurance Have To Cover?

Most dental plans have some sort of benefit package that includes benefits for routine and preventive care as well as procedures that are necessary to maintain oral health. Beyond that, though, each plan will cover different things. For example, if you need an expensive crown or veneer, your plan may have a specific amount it'll pay towards these procedures in addition to your routine visits. On the other hand, if you need a root canal the plan may only cover a certain amount of money that it won't pay towards. Finally, some plans are completely tooth-specific and will cover only the procedures that specifically pertain to your teeth.

Where Can I Get Dental Insurance?

The best way to find dental insurance is to work with your employer or look for individual dental insurance plans through an existing insurer. When finding an insurer, it's important to know what your options are or else you may choose one that doesn't cover all of the things you need it for. Here are a few online sources that can help you find dental insurance: Dentalinsurancefinder.com

Insurance.com

Dental Hygiene Insurance Plans As you shop for an insurance plan, it's important to know what kind of coverage you want and what procedures or treatments you need. You can create your own dental benefit plan using ouR free tool below. Step 1 of 2: Dental Benefit Plan Select the number of children you have 0 1 Select your age 0-29 30-39 40-49 50+ 0-29 30-39 40-49 50+ Click here to view our dental benefit plan premiums close This is a sample policy for illustrative purposes only! This is not a quote and does not reflect current rates or availability. Please consult an insurance agent about your specific needs.

Dental Insurance- What You Need To Know

Dental insurance is important for many reasons, one of which is that it can help you provide for yourself and your family in the event of a major illness or injury. If you're covered by medical insurance, then your dental plan will reimburse you for treatments that are necessary to maintain oral health. However, it's important to note that some plans only cover certain procedures or types of treatments (such as cosmetic dentistry) and not every plan will cover the same things as another. So it's important to know what you need before going shopping.

Conclusion

Dental insurance can make a huge difference in the health of your teeth and gums as well as your overall oral health. However, you don't want to get something that isn't right for you or your family. This is why it's important to know what types of coverage you need and what procedures and treatments are covered.

Sources:

http://www.cdc.gov/nchs/data/nhanes/tables/table2_3a.pdf Sep 4, 2015 https://www.cdc.gov/healthyyouthsmoking/data/factsheets/dsm-10_full.pdf Jul 25, 2018 http://www.