Cheap preventative/diagnostic dental treatments are covered
Consider that one single full mouth examination can cost even $90. Then, if you pay let’s say $20 for dental coverage per month, and you have got among others two dental checkups included per year this is already a good bargain.
Besides the checkups, good dental insurance will cover for preventative dental care such as fluoride treatments and professional dental cleanings, or diagnostics treatments such as dental X-rays. Choose smartly your insurance provider, and you will see that it is much better to get all your basic dental care through insurance than having to pay out of pocket.
Major dental care covered up to 50%
Whether you need dental crowns inlays, onlays, bridges, or partial/full dentures the insurance can cover even up to 50% of the overall expenses. It is true, a basic dental insurance will not cover for dental implants but then missing teeth can be replaced very well by a skilled dentist even with dental crowns.
For major dental services there is generally a waiting period of up to 12 months until it will offer any coverage, so keep this mind.
Basic dental treatments covered up to 80%
Dental cavity fillings, dental restorations, root canal treatments, gum disease treatment or even extractions can be covered by your insurance in proportion of up to 80%.
You will just need to pay a small deductible, and then instead of paying $150 for a cavity filling you will need to pay only $30 + the slight deductible. The waiting period for these basic dental treatments with insurance is approximately 6 months.
However if you take good care of your teeth, and you will never allow a dental cavity to turn into an abscess that would need emergency dental care, then you will not be bothered at all by the waiting period.
Dental insurance offers some orthodontic coverage too
When you need to choose a family dental insurance, you need to think of it that your little one might need dental braces at one point in life. Especially if your child is starting to grow crooked/misaligned teeth, you can rest assured that dental braces will be needed later on.
Choose a dental insurance with orthodontic coverage, and then when the time comes and your child needs braces, your insurance might cover even 50% of the costs. When choosing dental insurance you need to be extremely cautious and consider what the future may bring.
This way, you will start paying out smaller amounts of money now, and you will enjoy great discounts and benefits when you or your child needs the coverage.
Even though, the waiting period for the orthodontic care is about 24 months, in the long term such a dental insurance can be very cost effective. Orthodontic treatment is very expensive, and if you don’t have the right coverage at the time you need it, you will have to take out of pocket even $6,000 for the dental braces your little one needs.