Dental Insurance

Dental Insurance

Dental insurance refers to the cost which one has to bear in order to cover one’s dental expenses. The National Association of Dental Plans states that 46% of Americans do not own dental insurance.

Dental insurance covers all or some of the dental expenses for which one is required to pay a premium to the insurance provider. Dental insurance can be for an individual, a group or company and also for a family.

Group dental insurance is usually done by an employer for the employees. The cost of this is deducted from the employees' salary.

Dental Insurance: Types of Plans

There are basically two types of dental insurance plans:

# Preferred Provider Organization (PPO)

# Dental Health Maintenance Organization (DHMO)

Both these categories of dental insurance have their own benefits and drawbacks.

Dental Insurance: Coverage

Dental insurance generally covers the following, although the coverage may differ from one insurance provider to the other:

# Dental insurance covers dental cleaning for removing plaque and tartar by a professional, which may be needed from time to time.

# Dental insurance may also include extraction of teeth, needing surgery which can be included in non-cosmetic surgery.

# Dental x-ray is also covered by dental insurance. Taking a dental x-ray is important because it shows the exact condition of dentition.

# A person suffering from cavities and chippings can get fillings done. This is also covered by dental insurance.

# Dental insurance also covers situations needing urgent dental attention in case of an injury or accident. The emergency may include tooth replacement or dental surgery.

All dental insurance providers make tall claims, but one needs to weigh the pros and cons carefully before parting with their hard earned money as there are several loopholes which one needs to be aware of.

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