Dental insurance, sometimes also known as a dental indemnity plan, is basically a form of medical insurance designed to cover a specific portion of dental expenses. Unlike health insurance, it does not require a medical examination or a written prescription. It is normally required only when your teeth fall within a certain group of risk, which can include pre-existing conditions acquired at the time of a tooth extraction or when crowns or dentures are put in place.
There are many benefits that come along with dental insurance. It can help prevent cavities and preventative care, such as braces or checkups. When you have dental insurance, you can visit your dentist twice as often as necessary, as opposed to those who do not have dental coverage. You will also be covered during emergency care, such as when you need to go in for a root canal or when you need to get a filling and have it done right away.
Dental plans generally come in different lengths. The most basic is about $100 per month, while a more comprehensive plan may cost even more than that. Most of the plans offer major dental coverage, such as when your teeth need root canals, caps, root canals or other dental work. The additional coverage may involve a deductible and may also involve coverage for emergency care, particularly when it involves a trip to the dentist.
If you have a preference for one particular policy type, it is a good idea to compare several types of dental insurance policies. For example, you may want to find out if you are qualified for a yearly maximum or a lifetime maximum on your coverage. Some plans charge annual maximum amounts, which means that you pay a higher premium but you will have coverage forever. Others allow for annual maximum coverage and then a lifetime maximum on care. If you find a policy that offers a lifetime maximum but costs less than a yearly maximum policy, it may be an affordable choice.
A second option for finding dental insurance without a copay is to find a policy that allows you to make payments using a debit card. These policies are simple to understand, and you will only be billed if you visit the dentist and fail to pay. You can also use this option if you don’t want annual maximum coverage because you aren’t going to visit the dentist very often. This option can prove very convenient if you don’t want to deal with payments or if you have enough money saved up for the payments. Choosing a dental insurance plan is an important decision. You want a plan that allows you to save money and provide appropriate coverage. If you feel as though you don’t have options, try calling your insurance company directly. They may have information available to help you make the best possible dental insurance choice.