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 care, such as regular check-ups, as well as more extensive treatments, such as fillings, crowns, and root canals. Most dental insurance plans have two types of services: major services and basic services. Major services are more extensive treatments that are typically more expensive than basic services.
These include procedures such as crowns, bridges, dentures, root canals, and periodontal treatments. Major services are usually covered at a lower rate than basic services. Basic services are preventive care treatments such as regular check-ups, cleanings, x-rays, and fluoride treatments. These are typically covered at a higher rate than major services.
It is important to understand the difference between major and basic services when selecting a dental insurance plan. Most plans will cover both types of services, but the coverage levels may vary. Some plans may cover only basic services while others may cover both major and basic services. It is important to read the plan details carefully to understand what is covered and at what rate.
In addition to understanding the difference between major and basic services, it is also important to understand the cost of the plan. Most plans have an annual deductible that must be met before any coverage begins. The deductible amount can vary from plan to plan, so it is important to compare plans to find one that fits your budget. It is also important to understand the co-payment structure of the plan.
Co-payments are the amount you pay out-of-pocket for each visit or procedure. Co-payments can vary from plan to plan, so it is important to compare plans to find one that fits your budget. Finally, it is important to understand the waiting period for coverage. Most plans have a waiting period before coverage begins for certain procedures or treatments.
The waiting period can vary from plan to plan, so it is important to compare plans to find one that fits your needs.