Simplified Insurance Solutions, LLC Blog
You cannot live without a healthy set of teeth. Just one toothache can make you very miserable. In fact, it is not enough that you are going to the dentist regularly. You need dental insurance to give you peace of mind in case you will need an urgent case of oral or dental operation or procedure. According to the National Association of Dental Plans, 77% of all Americans have dental benefits, usually from their employer. However, here are some things that you need to know before you get dental insurance.
Your teeth are one of the most important parts of your body. So much of your self-esteem depends on the quality and appearance of your teeth and entire dental set when you smile. Dental insurance covers your x-rays, cleanings, dental exams, crown and root canal treatment, and treatments of gum diseases. However, make sure that your dental insurance is really worth it and will not entail additional expenses on your part. Here are four tips to take when you are planning on getting dental insurance.
A lot of people take their oral health for granted. It's unfortunate as it affects a person's general wellness. It could even reduce medical costs in the long run. It's why you should make sure you select the right kind of dental insurance for your family or staff.
It pays to understand the different coverages you can get to make a sound decision. Here are the basic dental plans often offered:
Dental insurance costs less in premiums compared to health insurance. However, most health insurance has policies that cover a considerable amount of expenses if you have paid your deductible. On the other hand, the coverage of dental insurance has an annual limit from $1000 to $5000 with $50 to $100 deductible.
While plans cover only 50% of the cost for root canals, crowns, and gum-disease treatment done by in-network dentists, it pays 80%-100% for x-rays, exams, and cleanings. Meanwhile, it does not pay for some procedures like cosmetic dentistry and orthodontia.
Cost limitations cause people to delay their needed procedures although they have dental insurance. Some, on the other hand, neglect care because the procedure is not covered by their insurance, while the others have already maxed out their annual coverage, survey says.
Below are some valuable tips when buying dental insurance:
Dental health is as important as any other aspect of one’s well being. The mouth is connected to both digestive and respiratory systems that if damaged, could bring serious diseases. To help people promote dental health, dental insurance has been made available.