How Does Dental Health Insurance Work?

​Are you among the people who want to maintain a beam on their faces but don’t know how dental insurance works? Well, you’ve come to the right page!

Compared to other medical insurances, dental insurance is a lot easier to understand. The policy states specific coverage and if you are required to add any out-of-pocket. Furthermore, this type of insurance can be a part of your medical or as a stand-alone. So, how does it work? Let’s find out.

Brief Overview Of Dental Insurance
Dental insurance can cover matters related to your teeth and gums, namely preventive care and yearly cleaning. However, cosmetic care like crowning and whitening are not included. The monthly premium you pay depends on your location and the plan you choose.

What Are Its Deductibles, Copays, and Coinsurance?
A. Deductibles
The deductibles are the minimum amount you have to pay before the insurance kicks in. To illustrate this, if your dental insurance has a deductible of $500 and your coverage is $275, you’ll have to pay for the entire treatment.

B. Copays
Copays are payments made by the owner in addition to an amount covered by the insurance. For example, you go to get a dental treatment, and your copay is $25 per visit. Once you arrive for check-in, you need to pay $25 for treatment and the subsequent others after that.

C. Coinsurance
The remaining balance, of which the patient has to pay, is called coinsurance. For dental, it may cost around 20-80% per procedure.

How Are The Treatments Categorized?
Dental insurance is categorized into three; preventive, basic, and major.

A. Preventive
Preventive procedures include cleaning, x-rays, and sealants, of which the policy pays full.

B. Basic
Under the basic procedure, you have fillings, gum treatments, and root canals. Policies can cover up to 80% of these procedures, while you have to pay for the remaining.

C. Major
As for the major one, you have dentures, crowns, and inlay, covering up to 50% of the cost.

Is There A Waiting Period?
Yes, there’s a waiting period of 6-12 months before a standard procedure can be done. As for the major treatments, it may take 1-2 years of waiting time. 

Conclusion
Now that you’re more knowledgeable about dental insurance, you’ll be more than willing to pay a visit to your dentist. 

At Roper Insurance Services, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (828) 697-6709. Get your free quote today by CLICKING HERE.