The importance of dental insurance
No matter how well you take care of your mouth, at some point you're going to need to go and see a dentist. Really, you should see a dentist twice a year to get you teeth cleaned, and any other time when you notice issues. Visiting a dentist will ensure you're doing everything you can to fight gum disease and bad breath. When you go to the dentist it's going to be much cheaper if you have dental insurance. While many people forgo the insurance because of the cost, usually dental insurance will save you money, especially if you have to have any procedure done that is not a regular cleaning.
Group dental insurance through you employer
Dental insurance through your employer is, in most cases, the best insurance you can find for the price. If your employer offers a dental insurance plan, it's almost always a good idea to enroll. You will be covered for basic cleanings and procedures and if anything else comes up insurance will, most likely pay for part of it. If your employer doesn't offer dental insurance you can still find a group policy through things like AARP and the Affordable Care Act.
Individual dental insurance policies
If for some reason you are unable to get a group policy, or you would like additional dental insurance coverage, you can purchase an individual policy. While individual policies are more expensive, they can still be found for a reasonable price. Before you buy an individual policy, make sure to do some research because policies can vary widely. Also, be aware that there is a waiting period for many individual policies. This is to keep people from buying the policy only when they need it.
Know who to go to and what's covered
No matter what kind of dental policy you have, be sure to know what is covered and where your insurance is excepted. If you go somewhere out of your network, you will be paying for it out of your own pocket. Also, make sure that the procedure you're having done is covered by your policy. In general, dental insurance policies fit into one of the following categories:
- Preventative: While the definitions vary between insurance providers this type of policy typically refers to regular cleanings, but they can include extras and some other things that are often put in the basic/restorative category.
- Basic/Restorative: This category includes the fillings of cavities and the pulling of teeth, but it can also include things like root canals which are sometimes put in the major category.
- Major: Serious dental surgeries, crowns, dental implants, etc. fit into the major category.
Before having any procedures done, make sure to find out if your insurance will cover it. You should be able to find everything you need to know on the insurance company's website. An explanation of your benefits will also be mailed to you after you start your policy. If you have any questions, call your insurance provider. They will be able to tell you what you need to know and direct you to a dentist that accepts your policy.
* These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease. Please Note: The material on this site is provided for informational purposes only. Always consult your health care professional before beginning any new therapy.