Most people do not realize the benefits of dental insurance, but they should! Dental insurance plans cover a variety of preventive dental procedures, including x-rays and exams. They also cover procedures that are considered major, like dentures, crowns, and implants. If you’re not sure what your plan covers, read the plan booklet to learn more about your coverage and benefits. Dental insurance benefits can help you save money on your dental care!
Dental insurance may be available through your employer. If so, apply for dental coverage through an annual open enrollment. Different plans cover different types of dental care, such as preventative and emergency treatment. If you don’t have dental coverage through your employer, you can buy a dental plan on your own. Health insurance companies and state health exchanges offer dental plans. You can also purchase a plan directly from the company. This option can be very affordable and is a good option if you need dental care.
Most dental insurance plans have an annual maximum. That means you must pay up to that amount before the insurance plan will cover the rest of your expenses. You’ll quickly reach your yearly maximum, especially if you have multiple dental procedures. Coinsurance can range from 20% to 80% of the total cost. Make sure to find out what the policy’s annual maximum is before you schedule an appointment. Most insurance policies include an explanation of benefits and limits.
A direct reimbursement plan pays a set percentage of total dental care costs. This type of insurance does not limit coverage based on a treatment category, which is helpful if you’re unsure of what’s covered or what’s not. It also gives you flexibility when it comes to choosing your dentist. Some dental plans also let you choose your dentist, which can help you find a healthy solution to your problem. If you don’t have a dental insurance plan, check with your employer for eligibility requirements.
While most dental insurance plans cover preventive dental care, some coverage limits major dental procedures. Some will not cover certain procedures or have waiting periods, so it’s important to check the benefits of both plans before making a decision. However, if you have a significant need for a certain procedure, you should look for another dental insurance plan with a lower out-of-pocket cost. In this way, you’ll avoid incurring large bills for dental services and will be able to maximize your compensation through your benefits plan.
Medicaid, as part of Medicaid, covers dental services for children. Medicaid benefits include the Early and Periodic Screening, Diagnostic, and Treatment (EPSDT) benefit. While an oral examination may be part of a physical exam, a dental examination by a dentist is still necessary to prevent certain conditions from developing. In addition, under this benefit, all services must be medically necessary. States determine medical necessity. They must also provide necessary dental services for conditions discovered during screening.