Dental Insurance

Understanding your dental benefits can be tricky. Only 5 in 10 U.S. Adults can accurately identify common insurance terms. Here’s a breakdown of some information to help you understand the basics.

 

WHAT:

Dental Insurance – Dental insurance pays a portion of the costs associated with dental care. Different than medical insurance coverage, dental insurance coverage is focused mostly on prevention.

 

WHO:

60% of the U.S. population has some form of it. With over 90% of plans being provided by an employer or another group.

 

HOW:

Services are typically broken up into 3 streamlined categories:

  1. Preventative: Most dental plans cover these services. Usually, it includes routine cleanings, x-rays and sometimes an exam.
  2. Basic: Plans typically only pay for a portion (somewhere between 50-80%) of these services. These are fillings, extractions, root canals, and often sealants.
  3. Major: Only top dental insurance plans provide coverage for these types of services. Typically includes crowns, dentures, implants and oral surgery.

 

TRUTH:

Most Americans will need services in the Basic and/or Major category regardless of insurance plan coverage. Preventative care, on a regular basis, can prevent more complex work and help identify early-on problems with your oral health.