Why Dental Insurance

Dental Insurance saves you  money and dental procedures you need. Anything like X-rays, cleanings, crown, tooth extractions, and many other procedures. According to Anthem BlueCross BlueShield, without insurance a regular clean up can cost on average $124. With insurance the price for a cleaning goes down to $69, saving an individual $55 per visit. These prices will vary depending on your provider, geographic region, and dental plan chosen.

One of the main reasons people choose to opt out of getting a dental insurance plan is because they are uninformed or informed incorrectly. So how exactly are dental costs covered by your provider? When you’ve managed to pick a dental provider and insurance plan, you’ll start paying premiums immediately that will cover regular procedures like check-ups and cleaning. You’ll have to meet your deductible, which is an amount set by your provider. After the deductible is reached, your coverage kicks in. Some providers have an out-of-pocket dental plan which is put in place to save you from paying high costs through the year. Most dental insurance plans allow you to pick a dentist in their network. Meaning that providers will have a list of dental practitioners in your area that allow the type of dental insurance you have. While this is way to go, you can also choose to go to a dentist out of network but will ultimately lead you to pay for 100% of the costs.

The ending goal of dental insurance plans are to decrease the cost of dental care. Dental insurance providers usually plan a method to lower fees with in-network dentists, and also pay take over a percentage of the reduced fee. You pay the rest out of pocket. Here’s how the it works:

Preventive: Dental insurance plans typically covers 100% of the cost of preventive care, which includes annual checkups, bitewing x-rays, and routine cleanings.

Basic: Most insurance plans cover 80% of the cost of “basic,” uncomplicated services, such as fillings, simple extractions and some types of deep cleanings.

Major: Dental insurance typically covers 50% of treatments such as root canals, crowns, bridges and dentures – dental insurance typically covers 50%.

We have put together a list of terminology that you should be aware of before looking in a dental insurance plan for you or your family.

 

  • Annual maximum: The amount your dental insurance plan will pay annually toward your cost of care
  • Coinsurance: A percentage of the cost of a dental service that you pay out-of-pocket
  • Copay: A flat fee you pay for a dental service covered by insurance
  • Deductible: The amount you pay out-of-pocket before your coverage begins
  • Pre-existing conditions: Any dental problems that you had before getting insurance.
  • Waiting period: The length of time – six months to a year – that must pass before basic and major dental procedures are covered by your dental plan.
  • In-network: Dentists who have a contract with your dental insurance company
  • Premium: The amount you pay each month for dental insurance