What is Dental Insurance and how does it work?

Dental insurance in many ways mirrors health insurance, but focuses on oral health. As the name suggests, it is an insurance cover that focuses on anything related to the dental industry, covering plan holders for any procedures they need done by dentists and other dental professionals.


What does it cover?

Dental insurance is an insurance plan that’s meant to cover the risk that you’ll need to have a tooth pulled, for instance, or to get root-canal treatment.

Like health insurance, it covers the cost of certain procedures, check-ups and emergencies either in their entirety or to an agreed upon percentage, depending on the type of plan you choose. For this cover, the plan holder pays a monthly premium. Dental insurance policies help many people to effectively budget for the cost of large-scale dental procedures.

Investopedia explains: most dental insurance policies have waiting periods ranging from six to 12 months before any standard work can be done. Waiting periods for major work are typically longer and can be up to two years. These periods are established by insurance companies to guarantee they profit off a new account and to discourage people from applying for a new policy to cover impending procedures.


Benefits of Dental Insurance

Some dental procedures can be costly, but you never know when you may need them. Looking after your teeth can get expensive, especially as you get older and this is why dental insurance is advantageous to have.

Most health-insurance plans cover just about everything BUT your teeth.  Some employers do offer cover, if the company doesn’t, so check online for the best rates and call and speak to each of the providers.  Ask to see the benefits and policy wording before you join as a member and make sure that your dental benefits provider will cover trips to your dentist, which should be at least twice a year.

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