What are American Dental insurance and the benefit of American Dental insurance?

What are American Dental insurance and the benefit of American Dental insurance?


WHAT IS AMERICAN DENTAL INSURANCE?

The American Dental Association defines dental insurance as a plan that helps pay part or all of the cost of diagnostic and preventative services, scaling and polishing, endodontic procedures, periodontal therapy, and therapeutic services.

Most plans cover 80 percent to 90 percent of the cost of a checkup, cleaning, and X-rays. In addition, most plans will reimburse for fillings, root canals, and gum surgery.

Standard insurance policies do not cover cosmetic procedures like tooth whitening or veneers. However, some dental care providers offer special plans that provide coverage for these items.

The American Dental Association notes that different insurance providers vary slightly in their definitions of covered, so it's important to compare policies before choosing one.

Typically, standard dental insurance plans cap the amount they will pay for procedures like fillings and crowns within a given time frame (usually one or two years, depending on the policy). Sometimes, there is a lifetime maximum of coverage, meaning the plan will pay no more than a certain amount throughout your life.   

Most plans have yearly deductibles ranging from $50 to $150. After you meet that deductible, your insurance company typically pays 90 percent of all covered charges for basic services. If you need more extensive work, you may have to pay the difference until you reach your out-of-pocket maximum.

Dental insurance is offered by employers, professional associations, and individual providers. There are also standalone policies that can be purchased on an individual basis. Since premiums for these plans are usually based on the number of people who will use the benefits, more family members on the plan mean a lower monthly cost.   

Many of these policies also allow you to use specific providers, such as those participating in your dental insurance network or preferred provider list. If you choose not to select a provider from this list, you might pay more out-of-pocket for care.   


Advantage of American dental insurance

The main advantage of dental insurance is that it allows you to start a care routine, such as twice-a-year cleanings and bite-wing X-rays, at a much lower cost than if you were treating problems on an as-needed basis.   

Dental insurance also offers financial protection for more extensive procedures like crowns, implants, and root canals. These procedures are not considered standard dental care but can be lifesaving when needed.   

Dental insurance gives you the peace of mind to know that you will not receive a costly bill later. That is especially important for families with children who may have cavities or other preventable problems because their teeth have not fully developed.   

In addition, having dental insurance reduces the ultimate cost of your overall health care plan because there is a lower chance that you will need expensive emergency or corrective treatment.   

There are also ways to save on premiums and out-of-pocket expenses with a dental insurance policy. For example, some companies provide additional savings if you use the mail-order service of their preferred providers or for items like toothpaste, dental floss, and replacement toothbrushes.   

Compare the deductibles on different plans to see which one best fits your needs. If you don't expect to need extensive dental care in a given year, you might be able to lower your monthly premium by choosing a plan with a higher deductible.   

If you are looking for individual dental insurance, compare the premiums offered by several companies to find out which one offers the best value. Some providers offer dental plans to add to an existing life insurance policy, while others offer standalone policies.   


How to get American insurance - 3 simple steps

  • 1 Find out if you are eligible to enroll in your company's benefits plan. Each employer sets certain requirements that need to be met before employees enroll their dependents. 

  • 2 Decide how many members are required on the family rider, including yourself and your spouse, children under age 27, parents over age 64 parents-in-law. Some companies require at least one dependent to join the plan, but others allow you to list anyone you would like. 

  • 3 If a dental insurance plan already covers you through your employer, find out how soon after your eligibility date for benefits coincides with the effective date of coverage under a family rider.

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