The blinding pain of a toothache is enough to have to deal with let alone tackling the hefty bill that comes with it. Major dental work is pricey these days and if you find yourself without a good dental plan, it could end up costing you a small fortune.
If you are not maintaining healthy teeth and gums you could also be susceptible to more complex medical problems down the road. Securing Dental insurance for you and your family members will provide the preventative care needed to protect everyone’s overall health.
Your Medical insurance will not cover standard dental care expenses so the need for Dental insurance becomes a necessity to protect you from major out of pocket costs that could arise unexpectedly. The more basic expenses like fillings, cleanings, crowns, and x-rays would most likely be completely covered by your Dental insurance but most do not pay for the full cost of major treatments like root canals, extraction of teeth and emergency tooth replacements. In most cases, if major dental work is needed, the policy will cover up to a certain amount and anything more than that will need to be paid out of pocket.
The premium can vary according to the coverage and other factors. In addition, some plans require that you select to receive treatment from a provided list of dentists and only dental work done by these participating dentists will be covered. If you have a preferred dentist, then the services performed will not be paid for, so you may want to secure a plan that allows you to select treatment from a professional outside of that network.
It’s important that you fully understand what is covered and what isn’t covered in order to make the best decision for you and your family. You should also understand the dollar limitations of your Dental policy. Some may have low annual or lifetime caps.
Our agents at News Insurance can help you select a Dental insurance policy that best suits the needs of your family. There are several different forms of coverage to consider, each with their own limitations and benefits.