Dental insurance is a type of health insurance that covers the cost of dental care. It is designed to help individuals and families pay for preventive and restorative dental care, such as checkups, cleanings, fillings, crowns, bridges, and orthodontia. Dental insurance can be purchased as an individual policy or as part of an employer-sponsored group plan. When you purchase a dental insurance plan, you will typically pay a monthly premium.
This premium is used to cover the cost of your dental care. Depending on the type of plan you choose, you may also be responsible for paying a deductible and/or coinsurance. Most dental insurance plans cover preventive care such as routine checkups and cleanings. These services are usually covered at 100%, meaning you will not have to pay anything out-of-pocket.
Some plans may also cover basic restorative services such as fillings and simple extractions. More complex services such as crowns, bridges, and orthodontia may be covered at a lower percentage or not at all. It is important to read your policy carefully to understand what services are covered and at what percentage. It is important to note that dental insurance does not cover all types of dental care.
For example, cosmetic procedures such as teeth whitening and veneers are typically not covered by dental insurance. Additionally, some plans may not cover certain types of treatments such as implants or root canals. When selecting a dental insurance plan, it is important to consider your needs and budget. Make sure to read the policy carefully to understand what services are covered and at what percentage.
Additionally, it is important to compare different plans to find one that best meets your needs.