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Roughly 60 percent of the population in the United States has dental insurance coverage. The coverage is either provided through a comprehensive healthcare benefits package through an employer, or the individual has purchased a dental insurance plan on their own.
Either way, dental insurance coverage is rising in popularity. With the cost of dental care more expensive than the average consumer can afford, dental plans help to alleviate the financial burden on the patient, while at the same time, ensuring that the patient receives routine dental care which can help to keep their whole body in good health.
The American Dental Association recommends that a person have their teeth examined and cleaned at least twice annually by a dental professional. By doing so, the person is not only keeping their mouth clean and healthy, but also the rest of their body. Poor dental hygiene has been linked to other medical issues such as diabetes, heart disease and even some cancers.
But before purchasing a dental insurance plan, it is a good idea to compare the types of plans and the coverage each provides.
Now that we know about the kinds of plans available, let's discuss the kinds of services dental insurance subscribers can expect to be covered.
Typical dental insurance plans cover preventative and general diagnostic care 100 percent once a deductible or co-pay has been satisfied. Procedures such as root canals, bridges and oral surgery may be covered at anywhere from 50 to 80 percent. Most dental insurance companies will assign an annual maximum benefit to reimbursed services, ranging from $1,000 to $1,500.
The majority of dental insurance plans will not cover what are considered to be cosmetic procedures, such as orthodontics and tooth-whitening procedures.
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