Your Medical insurance will not cover standard dental care expenses so Dental insurance becomes a necessity to protect you from major out of pocket costs that could arise unexpectedly. The more basic expenses like cleanings and x-rays would most likely be completely covered by your Dental insurance but most do not pay for the full cost of major treatments like fillings, crowns, root canals, extraction of teeth and emergency tooth replacements. In most cases, if major dental work is needed, the policy will cover up to a certain amount and anything more than that will need to be paid out of pocket.
To Be or Not To Be Insured
The premium can vary according to the coverage and other factors. In addition, some plans require that you receive treatment from a specific list of dentists and only dental work done by these participating dentists will be covered. If you have a preferred dentist, then the services performed will not be paid for, so you may want to secure a plan that allows you to select treatment from a professional outside of that network.
It’s important that you fully understand what is covered and what isn’t covered in order to make the best decision for you and your family. You should also understand the dollar limitations of your Dental policy. Some may have low annual or lifetime caps.
Michael Suhany Insurance can help you select a Dental insurance policy that best suits the needs of your family. There are several different forms of coverage to consider, each with their own limitations and benefits.