If you have dental insurance, there are a few things you need to know about how it works to get the most from your policy. Read on, and get the information you need!
1. Preventive Care Is Usually Free
Almost all dental plans cover 100% of the cost of two yearly teeth cleanings, one set of yearly x-rays, and even treatments like fluoride and dental sealants for kids. Seeing the dentist twice a year is the best way to make the most of your plan.
2. Plan Coverage Is Usually 80% For “Basic” and 50% For “Major” Care
Most dental plans cover 80% of the cost of “basic” treatments like root canals and fillings, and only 50% of the cost of “major” treatments like dental crowns. Expect to pay some out-of-pocket costs for these treatments, and make sure you understand your deductible and yearly maximum so that you can budget properly for the care you need.
3. Cosmetic Care And Braces Usually Are Not Covered
Dental insurance doesn’t cover cosmetic treatments like teeth whitening. It may cover orthodontics like braces, but only if you add an additional “rider policy,” which will usually cover 50% of the cost of orthodontic treatment.
4. You’ll Have A Waiting Period
If you get a new dental plan, preventive care is usually covered immediately or within 30 days. Restorative treatments are covered after 3 months, and major restorative treatments are covered after 6 months. These waiting periods can vary, so check your policy.
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