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Dental insurance
A Beginner’s Guide to Dental Insurance

Nowadays, any kind of dental treatment—from a check-up to root canal work—has the potential to hurt more than your teeth as it can seriously hurt your pocket into the bargain! Even minor dental care and treatment can be expensive. Dental insurance will charge you a monthly fee for coverage, but, when you need treatment, you will be able to claim all or some of it back from the dental plans you have in place. So, what can you expect from affordable dental insurance?

Benefits of dental insurance coverage

Most dental insurance policies will give you coverage for a range of treatments.  So, for example, you could be covered for the costs of:

  • Check ups.

  • Routine maintenance (such as scaling and polishing).

  • Dental work such as fillings, extractions, root canal treatment, dentures and bridges.

  • Emergency dental treatment including, in some cases, coverage for serious dental conditions such as oral cancer.

Not all dental insurance will offer coverage for all of the features listed above. Some may offer more basic features while others will offer a full range of benefits. Keep in mind that the more features you get, the more expensive your dental plans are likely to be. Next, let’s look at how affordable dental insurance works.

How affordable dental insurance coverage works

Most dental policies will set some form of limit on the money that you can claim back for treatment under the terms and conditions of your dental plans. So, for example, plans may:

  • Set financial limits on how much you can claim back in treatment costs.  This may be set at a certain level per dental treatment (i.e. you can claim back a certain amount of money for every check up or filling).  Alternatively, you may be allowed to spend a certain sum each year per treatment type.

  • Set annual frequency limits.  Some dental insurance policies will set limits on the number of times that you can claim for treatment. So, for example, some dental plans will allow you to make two claims for check ups a year and three claims for fillings.

  • Set financial and frequency limits.  Some affordable dental insurance policies will set both financial limits and frequency limits. So, for example, you may be told that you can claim back up to $100 for check ups in a policy year to a maximum of two check ups.
Keep in mind that dental insurance policies do not have to bear the entire cost of your dental treatment.  Most dental plans will pay for all of the costs of some treatments and for a percentage of costs for other treatments. But, even so, this could save you significant sums of money each year given the high cost of dental work and the low cost of affordable dental insurance.     


 
 
 
 
 
 
 
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