The health of your teeth reflects your general health. Caring for your teeth and gums is something that is necessary for maintenance and helps to prevent any major painful – and expensive, dental work in the future.
Most insurance plans cover preventative procedures such as cleaning and regular checks with no waiting periods. Many basic procedures are generally fully covered. These can include dental visits, fillings, extractions, and x-rays.
A percentage of the following dental services are covered under most dental insurance plans:
- Emergency care such repair of a cracked or broken tooth
- Root canals
- Tooth bonding
Having your regular cleans and checkups paid for will encourage you to go to the dentist, ensuring clean, white, teeth. This improves your appearance, giving you confidence.
Unexpected dental bills can be costly. Having regular checks and cleans can help to prevent the inconvenience and cost of major dental work. You also have peace of mind, knowing that if you or your family do need more advanced procedures, your policy may help to cover them.
Dental plans include:
Indemnity plans – These dental plans offer a larger choice of dentists than managed care plans. You will need to pay the fee first and then be reimbursed by your insurance company.
Managed care plans – There is a network of selected dentists for you to choose from. These dentists will generally perform the dental work and submit the paperwork directly to the insurance company on your behalf. The insurance company pays the dentist directly.
The National Association of Dental Plans has found that 66% of Americans have dental insurance. There are a variety of insurance plans available, designed to suit the needs of individuals and families.
There are extensive networks of highly qualified dentists available, whichever plan you choose. This allows you to easily find a dentist that suits you and your family. When you purchase dental insurance, you are protecting the health of yourself and your family, as well as safeguarding your finances.