Dental insurance can help cover the costs of preventive, diagnostic, and restorative dental care. Here’s a comprehensive guide to understanding how dental insurance works:
- Types of Dental Plans: The two main types are PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization). PPO plans offer more flexibility in choosing a dentist, while HMO plans typically require a referral.
- What’s Covered: Basic services like cleanings, exams, and X-rays are often covered, while more complex procedures like crowns or root canals may require additional coverage or co-pays.
- Annual Maximums: Most plans have an annual maximum limit on how much they will cover for dental care. It’s important to know this to avoid unexpected out-of-pocket costs.
- Premiums and Co-pays: Dental insurance involves monthly premiums and may include co-pays for services. The cost of premiums and co-pays varies depending on the type of plan.
Before choosing a dental plan, consider the services you need, the network of dentists available, and the overall cost of the plan.