![]() ![]() You’ll also want to consider your overall dental health when deciding whether to buy a policy of your own. Keep in mind that you may be able to deduct your insurance expenses come tax time. Then, compare these costs with the dental plan premiums under different plans. Break down what your dentist charges for twice-a-year cleanings, X-rays, fillings, and other routine care. Generally, you’ll want to start by considering the costs of a dental plan versus your typical annual dental care costs. There’s no universal answer here, as everyone’s financial situation and oral health needs are different. If you’re currently without dental coverage, you might be wondering whether or not it’s worth buying your own policy. If you decide to buy dental coverage as a supplemental benefit, you’ll pay a separate premium for your dental plan, in addition to the premium you pay for your health plan. If your health plan includes dental benefits, your monthly premium should cover the cost for both your health and dental coverage. However, health care law only requires that dental benefits be offered to children you’re not required to buy it. So, if your health plan covers dependents 18 and younger, the plan is required by law to have dental benefits available as part of its health coverage, or to provide these benefits as a separate dental plan. Please note that while insurance companies aren’t required to offer adult dental insurance, dental benefits are considered an essential health benefit for children. Tool makes it easy to browse and compare prices and benefits across plans. Stand-alone dental plan, eHealth’s plan finder Health plan that includes dental coverage, or if you’d like help finding a This means that health insurance companies aren’t required to offerĭental coverage if you’re over 18 years old. Under healthcare law, dental benefits aren’t an essential health benefitįor adults. Plans cover dental benefits, and availability will vary depending on where you As a stand-alone dental plan or “rider” (either through your employer or purchased yourself).As part of a health plan you buy yourself, such as through or a broker like eHealth.As part of an employer-sponsored health plan.Of course, all dental insurance policies differ, so policyholders should check their coverage limits to find out exactly what is and what is not covered in their unique cases.ĭental insurance is typically offered in three ways: Cosmetic procedures, such as teeth whitening.dental care related to a pre-existing medical condition.Often, coverage will only be provided for amalgam (silver) fillings, and policyholders will be responsible for paying the difference if they prefer composite fillings. A prime example of this is composite (tooth-colored) fillings. While most dental plans cover basic dental work and preventive work, there are some procedures that many do not provide coverage for. What’s not usually covered in dental insurance plans This is usually waived for preventive care. ![]() You may be responsible for paying a deductible before coverage will kick in for these types of procedures. Typically, preventive care, such as cleanings, is covered fully, while other procedures, such as fillings or emergency oral surgery, may have higher out-of-pocket costs. Please note that certain dental equipment or services may be covered, but at different levels of coverage. Emergency dental procedures, such as oral surgery.Root canals and other necessary repair work.Regular checkups and cleanings, usually twice a year (out-of-pocket copay may be required).In general, a dental insurance policy will typically cover: For more detail on coverage, always check the plan benefits documents for the plan you’re considering. Like other types of health coverage, dental plan benefits vary by plan and insurance company. ![]() What’s usually covered in dental insurance plans ![]() Whether you currently have coverage or are trying to decide whether to add on dental benefits, it’s important to understand the basics of dental insurance, which we’ll be discussing below. With a quality dental insurance policy, you can get coverage for anything from routine exams and cleanings to more complex procedures such as root canals and extractions.ĭental plans typically fall into one of three categories: employer-based, self-purchased, or “riders” attached to medical insurance policies. Having dental insurance can also give you much-needed peace of mind-especially considering the high cost of dental work. The right dental insurance policy can help you stay healthy and keep your teeth in good shape. However, dental care is just as important for a person’s wellbeing. Dental and vision insurance aren’t covered by standard individual or family insurance healthcare plans. ![]()
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