Dental
Good oral health practices are important to your overall health. Not just brushing and flossing but regular dental care too. Many people choose to purchase dental insurance to help offset the costs of dental care.
Dental insurance typically pays for three categories of coverage.
Basic
“Basic” services generally include fillings and non-surgical extractions. Dental insurance typically covers 50% to 80% of those costs, depending on the policy.
Major
“Major” services cover almost everything else, which is where you usually find exclusions. Dental insurance may cover between 50% and 80% for these services.
Additional
You may find additional categories in a policy, like orthodontia or dentures, with their own coverage limits.
Keep in mind that most dental insurance policies are focused on prevention. That means they typically provide coverage for services like routine checkups, cleanings and exams at no extra cost and should include regular teeth cleanings and fluoride and sealant treatments. A good dental plan should also at least partially cover crowns, root canals, oral surgery, panoramic X-rays and periodontitis treatment.
Dental plans have a maximum payout. Each time a dental claim is submitted, your dental insurance provider will subtract the amount that they paid for the service from your annual coverage maximum. Once the annual maximum is reached, you become 100% responsible for the costs of any further dental services you receive until the next plan year starts.
Click on the link to purchase the dental plan that is right for you:
Metlife
Delta Dental