The world of insurance can be confusing at times, and this is also true for dental insurance. Choosing the best among the many available dental programs can be a daunting task, but with the right knowledge it can be a fairly simple and easy process. Most employers will offer dental insurance along with health insurance as a supplemental option. However, if you are employed by a smaller company who does not offer such insurance, or you are self employed and looking to choose a dental program, you should know what is available to you before making a final decision. Look for the options of in or out of network plans. An in network plan means that you must choose one of the dentists listed within the network, or you run the risk of not being covered. An out of network plan allows you to choose any dentist you like without any repercussions of no coverage. Most dental programs will cover most if not all of the required cleanings. Some will cover one cleaning per year, while others cover two, depending on the plan you choose.
There are three basic categories of coverage within most dental programs. These categories are: preventative, restorative, and major. Preventative is things such as cleaning, which means they prevent any damage to the teeth from occurring in the first place. Restorative usually consists of things such as cavity fillings or teeth pulling. The major category is where bigger procedures such as wisdom teeth removal, root canals, and other more complicated procedures. Check into each plan you are looking at to see how much of each of these procedures are covered. Some plans cover a small percentage, while others cover up to 50% and more. You may incur a waiting period, which means the dental plan you choose may require you to wait for a certain amount of time before they will cover anything. Also keep in mind that most of the time, cosmetic dentistry is not covered. Carefully look through all pros and cons of the many dental programs you are considering, and then make a decision that will best serve the needs of you and your family.