How does dental insurance work?
California group dental insurance works in much the same way that medical insurance works, but dental insurance is more straightforward and specific regarding what procedures are covered. For a specific monthly rate (or “premium”), you are covered for preventive care, which is covered at 100%. You are entitled to certain dental benefits, usually including regular dental checkups, cleanings and a set of bitewing x-rays.
Other preventive services may include fluoride application and dental sealants depend on your group insurance policy. Most dental insurance plans cover for fillings, extractions or deep cleanings at 80% of the cost. Some cosmetic procedures such as braces or whitening may not be included in your plan, which means you have to pay full price for them out-of-pocket.
Preventive care such as checkups and cleanings is truly the key to maintaining your oral health. Early detection of oral issues will give you the opportunity for treatment using less invasive and costly procedures. Dental insurance can be a great benefit if properly understood and managed. Let us help you find the best group dental insurance coverage.
