Dental insurance is a form of insurance coverage purchased to reduce the share of out-of-pocket costs associated with dental care.
Dental insurance typically covers procedures that improve the general health of your teeth and gums, including preventative services, basic dental procedures, and major services such as crowns and oral surgery. Depending on the procedure, consumers often have to fulfill a “waiting period” before a carrier will pay for a share of the dental costs. Dental insurance benefits are not standardized. One dental plan may cover a different collection of services than another dental plan. Before enrolling, it is important to evaluate a dental plan’s benefits. Some of the services you may want to confirm within the plan are:
- Dental exams every six months
- Teeth cleaning
- Tooth extraction
- Root canal
- Oral surgery
In many cases, dental insurance plans won’t cover “specialized” procedures such as cosmetic dentistry and orthodontia.
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