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May 20
Do Most Insurance Plans Cover Dental?

Do Most Insurance Plans Cover Dental?

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At times, it is easy to forget about the health of your teeth, because most people don’t fear they could become ill or die if their teeth are ignored. When something is wrong with your body, you quickly head to the doctor to fix the problem before it gets out of control, but because of the expense of dental care, many Americans forego the proper dental work in order to save money. What many don’t know is that the health of your mouth and teeth has been tied to the health of your heart, so taking care of your teeth can keep the rest of your body healthy. Dental insurance is available for consumers who are concerned about the costs of dental care, and may even be included in your current health insurance plan.

Is Dental Insurance Covered In Your Health Plan?

There is not an answer for this question that encompasses each individual health care plan. While some insurance plans do offer dental care, others do not, or require the individual to add the dental coverage in addition to the regular coverage. If you are concerned about what kind of dental care you are offered under your health coverage, the best course of action is to place a call to your human resources department of the employer that offers you benefits, or call your insurance company directly to determine what your responsibilities are.

Options For Adding Dental Insurance

Some health insurance plans will allow an individual to be added to the dental plan as what is referred to as a “rider”. When you are offered regular health insurance, you may have the option to pay an additional premium every month to add the rider to the dental insurance. The costs will vary depending on your specific health plan, and an exact amount can be determined by your health insurance company or the benefits department of your employer.

Even if your health insurance offers you dental coverage, it may not be the kind of coverage you would prefer. If your plan doesn’t cover a good portion of your dental bills, you can choose to find your own dental plan to supplement the costs. At this point, you would want to shop around for additional dental plans to determine the best coverage that you can get for the best price. This amount would be paid entirely by you, and when choosing a plan, it’s important to ensure that the coverage is worth the cost.

Understand Your Dental Plan

Whether you have dental coverage through your health insurance, or choose to buy a plan on your own, it’s essential that you understand your coverage amounts, what you are responsible for, and any waiting periods that exist between treatments. When you understand the details of your plan, you are better able to time your treatments in a way that will save you money.

Be Proactive With Dental Coverage

If you are unsure of what coverage you have under your current insurance plan, it is recommended that you take the time to study your plan and learn all you can about your coverage. Being active in your health care plans and understanding the details can help to save you money in the long run. Before you schedule an appointment with your dentist, take the time to make a phone call to determine your financial responsibility.