As the evidence linking dental health to overall physical health continues to pile up, the question of affordable dental insurance looms larger and larger. Unfortunately, there’s no clear-cut fix-all solution yet. Consumers must do what consumers have always done — shop around.
Coverage v. Insurance. First off, it’s important to note the difference in terminology. Dental insurance usually requires that you pay the full amount for services until your deductible is met, and then you pay a reduced portion of each bill after that. Dental coverage, on the other hand, pays for your dental procedures up to a certain amount per year, and then you’re responsible for the rest.
Knowing What Your Insurance Covers. While affordable dental insurance may not include coverage for things like veneers or even “All on Four dental implants” restorative procedures, it’s good to know what is covered. Nearly all dental plans include coverage for preventative care — routine exams and cleanings, primarily. They may even take a significant bite out of the cost of fillings and root canals.
Getting Your Costs Upfront. Whether you have affordable dental insurance, expensive dental insurance, or no dental insurance whatsoever, you should always know what a procedure costs before you agree to it. The costs for certain dental procedures can vary wildly from practice to practice, even within the same town (sometimes within the same city block), and you shouldn’t be afraid to shop around — and to let your dentist know you’re willing to shop around.
Understanding insurance policies can be a daunting prospect, and dental insurance is certainly no exception. Have a professional sit down with you and explain everything in easy-to-understand terms and detail. And in the meantime, remember to brush and floss at home, so that you might never need your dental insurance. Read this for more: www.dentalimplantsventura.com
