Regular visits to the dentist and preventive dental treatments are required to maintain good oral health. However, the rising cost of dental visits can be a disincentive to seeking oral treatment. Therefore, having dental insurance as part of your health insurance is a very important aspect.

Types of dental insurance cover

Different dental insurance products provide a different level of coverage. You need to ensure you compare the dental insurance summary of benefits or coverage before you purchase the most suitable plan.

 

Dental insurance usually covers a standard list of dental coverages. Some of these include:

  • Preventive care - refers to routine visits to the dentist for procedures that help prevent the occurrence of oral problems. Procedures under this cover include cleaning
  • Restorative care - this type of cover refers to treatments and procedures like fillings and crowns that aim to bring back the natural look of the teeth.
  • Oral surgery - includes tooth removal and other surgical procedures tissue biopsy
  • Basic procedures - basic dental procedures are done to resolve dental problems, extractions, fillings, root canals, and treatment for gum disease. Some health insurance companies may cover the entire cost for these depending on your plan.  A typical co-insurance pays 80% or 70% of the amount.
  • Major procedures - Major dental procedures are covered at 50% with the highest co-insurance packages. Insured patients can undergo installation process of crowns, bridges, inlays, and dentures at half the cost.

Sometimes, root canals are also considered as a major procedure based on the severity of the problem. Check your insurance policy to make sure you only pay for what is not covered.

 

Root Canal therapy is a treatment used to repair and save a tooth that is badly decayed or infected. Depending on the dental insurance plan, some may have X-Ray included as part of its coverage.  

 

Root Canal therapy is a treatment used to repair and save a tooth that is badly decayed or infected. Depending on the dental insurance plan, some may have X-Ray included as part of its coverage.  


Depending on the dental insurance plan and premium, the benefits will vary. Before you decide which dental insurance plan is suitable for you, it is good to do a comparison and read through the coverage and benefits of the policy. Most dental insurance plans will have an annual limit, so it is important for you to research which dental plan is most suitable for your needs.

 

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