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Dental plans are sometimes not included in basic health insurance plans or if it is included it covers a bare minimum of protection. The main reason for this is that most dental work is elective and to a degree, cosmetic. Although dental pains cause discomfort, it is usually not critical to your ongoing health. This is why dental insurance is occasionally a separate policy to medical insurance (although many health insurance policies contain dental coverage especially once you opt for a higher coverage plan).
Dental insurance covers a portion of the cost of simple cleaning, x-rays, check-ups and orthodontic work. If you go for a check-up every six months, which is the dentist's recommendation, you can actually claim the full cost of your consultation (provided your cost doesn't exceed your coverage)
Who is a potential candidate for this type of policy?
Dental insurance is an option for anyone who cares about their teeth and also doesn't like paying the full price for dental work. Dental cover is one of the few plans in the marketplace that gives you ongoing value for the duration of your plan. In fact, dental policies generally encourage you to go more often so you get full benefit from it. Dental cover is not mandatory but the cost can pay itself back many times over during your lifetime.
What typically does a policy cover?
Dental policies have many different levels of cover. You can opt for basic dental health maintenance which will cover a portion (occasionally the whole cost) of certain procedures such as fillings, root canal work and general maintenance. More extensive policies will cover extensive periodontal, orthodontics, oral prosthetics, oral surgery, all sorts of filling, tooth and bridge work, as well as check-ups and cleaning. There are usually no waiting period or cover maximums if you have a comprehensive policy.
What typically does a policy not cover?
The more broad policies tend to cover every eventuality. Basic plans tend to omit structural work in their plans and only cover basic work to a degree. Some policies will only cover a 50% schedule, meaning you have to pay for 50% of all work done. Each plan is different so check the terms, conditions and coverage of each prospective insurer before you make a decision.
Additional coverage that policy holders might take out in this area
Some kinds of health insurance have a degree of dental cover attached so it may be worthwhile to review them for options. Dental policies by themselves do tend to be more comprehensive than a dental inclusion in a health insurance plan, so check out whether it will suit you.
Dental coverage can be as basic or as comprehensive as you wish. The amount of cover you opt for will reflect how much you value your teeth. You opt for the plan you feel will suit you the best and there will be no need for additional coverage.
What will itt typically cost?
The more basic types of dental plans require very little investment from the policyholder as they provide only a small benefit. Comprehensive policies may cost hundreds of dollars a year but cover you for work that may go into the thousands of dollars.
Where Can I find Dental Insurers?
You can find a wide selection of health insurance businesses, brokers and agents at Start Local.
Please note that this is not an exhaustive list of all available dental insurers in the marketplace.
Other Types of Personal Policies