What's Included in Individual Dental Coverage12 Nov, 2015
What's Included in Individual Dental Coverage
If you are an employer, dental insurance can be part of your health care benefits. It may also not be part of the benefits. For employers without dental benefits, or for those who are self-employed or working in their home businesses, then getting individual dental coverage is the common option.
What does this kind of dental insurance cover?
The coverage would, of course, be different for ease insurance company. But they would usually include preventive care like oral examinations, cleaning and scaling of teeth, and fluoride application. It could also include basic dental care like extraction, fillings, antibiotic injections by the dentists, maintenance and even denture adjustments and repair. Diagnostic care like X-rays could also be included in the coverage.
Major dental care like endodontic and periodontic treatment and services can also be covered. Inlays and crown, as well as oral surgery can also be covered by an individual dental insurance.
The monthly fees for such insurance could go as low as $12.00, while other would have to pay $50.00. It depends on the type of coverage and policy that the plan holder has chosen. Most of the dental plans however have waiting period. The plan holder would usually have to wait for a few months or a specified time, before they were able to use the dental plan.
However, most dental insurance would have every year. Aside from the yearly cap, not all of these services covered by insurance are fully covered or paid for by the dental plan. For example, crowns and root canal are not paid for by the insurance in full amount. The plan holder would still pay part of it. The percentage of course is pre-determined. Which is why, it is important for a plan holder to thoroughly learn about the policy and understand what is fully and partially covered by the insurance benefits.