A common question that people often have when seeking individual dental insurance plans is what is included in dental insurance plan coverage?
An individual dental plan will ultimately vary depending upon the insurance provider, but such plans generally cover a variety of basic dental needs. Let’s review what typical dental plans coverage includes.
You might be eligible for a plan via your employer. If not, you can pay the premiums for dental insurance yourself. Sometimes, an employer will help defray some of the costs associated with a dental insurance plan as a perk associated with your employment.
If you opt for an indemnity individual dental plan where you get the option to select the dentist you want to work with, you are responsible for any fees that are not covered by your dental insurance plan.
The percentage of coverage ranges between fifty and eighty percent of any fees incurred from a dental office visit and the policy holder must cover the remaining percentage.
An individual dental plan will commonly have a deductible that is predetermined before you avail yourself of the policy; this deductible will be your responsibility as well. This type of plan may cost you as much as $40.00 out of pocket every month.
You might also be eligible for a dental HMO (Health Maintenance Organization) plan; this insurance plan limits you in terms of the dentists that you can work with, but if you are seeking a low cost dental plan, than an HMO might be your best bet.
This type of dental insurance plan averages around $13.00 per month and will cover things like basic preventative dental care, visits, cleanings, teeth sealants, and fluoride applications for adults. You will find that more complex dental procedures might only be partially covered or not covered at all, again, depending upon your policy.
For the most part, a full coverage dental plan has a yearly cap on what it will cover and the cap is often right around $1500.00 per year. You will find that cleanings, tartar removal, scaling, tooth polishing, regular checkups, as well as crowns and fillings are commonly covered, at least in part, if not in full. Root canals, extractions, cosmetic dentistry, and elective procedures are often not covered by individual dental insurance plans.
According to the National Association of Dental Plans, over forty-five percent of people in the US have no dental insurance coverage whatsoever.
Monthly fees for such insurance can be as low as $12.00 or as high as $50.00 per month, depending upon the chosen policy. Some plans are associated with a year-long probationary period, which means that the services that are typically covered by the policy will not be covered by the dental insurance plan until you have had the plan for longer than a year’s time.
Thankfully, people in need of dental care also have low cost alternatives for treatment like free and low cost treatments at one of many dental schools throughout the United States. You can contact dental schools where students will perform certain procedures under the guidance of qualified professors and dental professionals.