Dental

Dental insurance helps cover the cost of routine dental care and more extensive procedures, ensuring you can maintain oral health without facing high out-of-pocket costs.

Here are the main types of dental coverage:

  • Preventive Care: Most plans fully cover routine cleanings, X-rays, and exams, typically with no out-of-pocket costs.
  • Basic Services: Includes fillings, simple extractions, and other minor dental work, typically covered at a percentage of the cost after meeting a deductible.
  • Major Services: More extensive treatments like crowns, root canals, and dentures may be partially covered, with a higher copay or coinsurance.
  • Orthodontics: Some plans offer coverage for orthodontic care, including braces or aligners, particularly for dependents.

Factors that affect premiums:

  • Coverage level (basic vs. comprehensive plans)
  • Choice of dentist (in-network vs. out-of-network providers)
  • Annual maximum benefits (many plans have a limit on what they will cover annually)

Dental insurance is essential for managing the costs of both preventive care and more advanced dental treatments, keeping you on track for good oral health.