Dental Insurance

Dental insurance can be crucial in maintaining your overall health and wellness. Although you may have already invested in a general health plan, dental coverage is typically sold separately. With this in mind, even people who practice good oral hygiene habits and are diligent about maintaining their dental health should prioritize appropriate coverage, as specific ailments and conditions may be inevitable.

Why Is Dental Coverage Important?

Like general health insurance, dental coverage is essential for those wanting to access various dental health services, including preventive care and critical treatments. Coverage can be purchased either through the open market or through your employer. In exchange for your regular premiums, your insurance company agrees to pay for covered services while accounting for your deductible, copayments and coinsurance.

What Are the Benefits of Dental Coverage?

Dental insurance plans’ details may vary, but in many cases, your policy can help you and your family access the following essential services:

• Regular checkups
• Cleanings
• Fluoride treatments
• X-rays
• Fillings
• Extractions
• Braces
• Crowns
• Bridges
• Dentures
• Root canals
• Dental implants

How Much Is Dental Coverage?

Your dental coverage cost may depend on your unique circumstances. In many cases, insurance companies may consider your age, the number of people (e.g., spouses and dependents) insured under your policy and where you live. The details of your dental coverage policy may also directly impact your rates. For example, plans with higher deductibles typically come with lower premiums. Conversely, if you’re willing to pay higher premiums, you may enjoy lower out-of-pocket costs at the point of service.