Maintaining good oral health affects your well-being and quality of life. After your treatment, you will pay your copay, if you have one.
Regular dental cleanings, crowns, and fillings can be much more manageable with an affordable dental plan. If you already have a dental plan and don’t want to make the switch, our supplemental dental insurance may be just the coverage support you need. Dental cleanings are critical for maintaining healthy teeth and gums. Most people need six-month cleanings — but you should ask your dentist to be sure. If you have dental anxiety that’s keeping you from receiving routine dental care, tell your dentist about it.
You also can get dental insurance through a group plan, a Medicare Advantage plan, and other ways. This web page explains how the tooth decay process starts and how it can be stopped or even reversed to keep your child from getting cavities. Delta Dental of Illinois is a part of Delta Dental Plans Association. Through our national network of Delta Dental companies, we offer dental coverage in all 50 states, Puerto Rico and other U.S. territories. From saving you money to contributing to your overall health and well-being, the value of dental benefits can’t be underestimated. Learn all of the many ways that dental benefits pay in our video below. Now that you’re looking for a dentist, you’re probably noticing advertisements online, in the newspaper and even in your mailbox.
Is My Annual Exam Covered by Dental Insurance?
But if the tooth decay process continues, more minerals are lost. Over time, the enamel is weakened and destroyed, forming a cavity. A cavity is permanent damage that a dentist has to repair with a filling. Yes, most plans cap out at $1,000 to $2,000 annually for benefits. Most dental PPOs plans have a maximum annual benefit of $1,500 or more.
Deductibles, Copays, Coinsurance, and Maximums
Many practices provide sedation dentistry options to keep you comfortable during your appointment. Patients needing costlier procedures should pay particular attention to the details of dental insurance policies.
Problems with your teeth, gums, or other parts of the mouth can increase your risk of having some diseases or health conditions. Small steps, like seeing a dentist regularly for checkups, can help you protect your mouth and teeth and live well at any age. Most dental policies cap how much they’ll spend on your dental procedures.
Coverage maximums typically range from $1,000 to $2,000 per year. Generally speaking, the higher the monthly premium, the higher the yearly maximum.
Speak to an Agent
They may want to see you more frequently if you’re prone to cavities or gum disease. If your dentist or hygienist finds anything concerning during your dental cleaning — such as cavities or gum disease — they’ll discuss your treatment options with you in detail. Even the most affordable dental insurance plans usually consist of 4 main factors. Depending on how each of these factors are broken down, you may be able to keep your dental insurance cost-per-month relatively low. The dental insurance price depends on a variety of factors, like what you want your annual maximum to be, your group’s situs state, and your coverage aims.
When the annual limit is met, patients pay 100% of their dental costs. However, according to research from the National Association of Dental Plans, few enrollees with higher limits hit their maximum. An insurance deductible is the minimum amount to be paid before the insurance policy pays for anything. For example, if the deductible is $200, and the covered individual’s procedure is $179, the insurance does not kick in, and the individual pays the entire amount. Like health insurance, you can select a dental plan based on the providers (dentists) you want to be able to choose from and what you can afford to pay. Hundreds of different types live on our teeth, gums, tongue and other places in our mouths. But some can be harmful such as those that play a role in the tooth decay process.
Read more about Family Dental Advice here.
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