What is Dental Insurance?
Dental insurance is designed to offer you coverage for common dental care issues and to help you budget for dental services at all levels, preventive, basic and major.
What is covered under dental insurance plans?
Dental insurance plans cover two dental visits per year for cleanings, X-rays, and fillings. Different dental plans may also cover root canal therapy and crowns. Some oral surgical procedures that may be covered include extractions and biopsies.
After a waiting period, some dental plans may also begin to pay for periodontics, bridges, and dentures. Orthodontia for cosmetic reasons is usually not covered, unless it is necessary because of a medical condition.
Dental coverage and Obamacare
With the implementation of the Affordable Care Act (ACA), also known as Obamacare, dental coverage is considered an essential benefit for children under the age of 18 and carriers are required to offer you this coverage. This means that if you are obtaining medical coverage for your kids, you must be offered a dental policy to purchase at the same time.
However, you don’t have to purchase dental coverage, either for your children or yourself. The ACA doesn’t require that everyone have dental insurance at this time, only that children be offered coverage. So you won’t be subject to the tax penalty if you and your family decide not to enroll in dental coverage.
How can I get affordable dental plans?
Dental plans tend to be affordable for most people. Dental deductibles are usually much lower than the deductibles for major medical coverage, and they typically pay between 50% to 100% of the costs. The problem with having no dental insurance is that dental care can be very expensive once serious dental problems develop, such as periodontal disease or extensive tooth decay. It can be cheaper in the long run to get regular dental care and avoid serious and more extensive problems down the line.
Where can I shop for Dental Insurance coverage?
By purchasing supplemental dental insurance, you are safeguarding your and your family’s health, as well as your finances. If you want to further explore your dental insurance options, please visit our dental insurance page to compare all of the different plans available and get a FREE quote.