Dental insurance is a type of insurance that covers dental health and care. It is important to have dental insurance because dental health, also called oral health, is important to your overall health. You can purchase dental insurance as part of a medical insurance health plan or as a separate policy through a dental insurer, the Health Insurance Marketplace, or a private insurance broker.
Dental insurance can help you pay for the cost of your dental care, including preventive care such as exams and cleanings. It can also cover a portion of minor dental repairs like restorations.
When shopping for insurance, you may see the term “dental benefits,” which is different from dental insurance. An insurance plan is meant to absorb risk (for instance, the risk that you’ll need to have a tooth pulled, or to get a root canal), and it covers costs accordingly. A benefits plan covers some things in full, but other things only partially, and others not at all. It’s meant to be helpful, but it’s not a catch-all.
Medicare doesn’t cover dental care, and most state Medicaid programs cover dental care only for children.
In summary, dental insurance can help you save money on dental care and maintain good oral health. It is important to understand what’s covered in your dental insurance so you can stay up to date on preventive care such as exams and cleanings.
Always look for a high benefit amount which is how much the plan will cover in the year. This can range from $500 up to $10,000. You should at least get a benefit amount of at least $3000. Also plans will not offer coverage on a tooth that has been removed before you get the plan. So, you couldn’t get coverage for an implant etc. If you have continuous coverage from another carrier and are losing it or changing coverage, they can be more flexible. Remember a simple cleaning can cost up to $500 and crown around $2000.
If you have any questions about dental insurance, or are interested in buying dental insurance, please give Karla a call at 425-256-3004 or text Karla at 425-276-6589 or email Karla at [email protected]