Most people think of dental insurance as a basic necessity for regular dental care. While it is a good idea to make sure that your teeth are properly cleaned and if necessary filled and x-rayed, it is not a comprehensive coverage plan. Dental coverage generally covers issues relating to the gums and teeth, as well as preventative care such as regular cleanings and preventative procedures.
Many plans will cover most cosmetic procedures as well as dental cleaning and tooth whitening. Not every cosmetic procedure is covered; for instance, dental implants or crowns are usually not. Usually, deductibles, co-payments, and coinsurance are used, and most policies have very low, fixed levels, ranging from several hundred dollars to several thousand. Most of the time, however, a good dentist will be able to meet your needs for cosmetic surgery.
Many plans cover preventive care at no cost to you, although there are some limits to this type of care. For example, most do not cover routine oral examinations such as x-rays or dental checkups, although dental insurance may include these procedures. Preventive care is especially important for children's oral health, and this may include routine cleanings and fluoride treatments.
There are a number of different types of plans available that will provide dental coverage, depending on what is required of you. The type of plan that is best for you depends upon what type of services you need, how much money you have, and what you can afford. You will need to compare several plans to see which ones will meet your requirements. In addition, you may have to pay a deductible before dental coverage will take place, but that deductible can be lowered by talking with your dental insurance agent or company.
No matter which type of dental coverage you choose, be sure to speak to your dentist first before beginning any type of treatment to make sure that your treatment will not cause damage to your gums or teeth. Also, some procedures, such as root canals, are more invasive than others, which can cause problems with your gums. Some surgeries can also cause problems, so be sure to ask your surgeon or dentist what they recommend for procedures you.
You can save money on dental insurance if you shop around and find the best rate and cover that suits you. Be sure to ask your dentist or the insurance company for the most appropriate quote for your needs. You may also want to talk to a dentist to get an . . . . . . idea about their experience in working with their current customers.