If you are not fortunate enough to be insured under an Employers group dental or vision plan you can find shopping for this coverage can be confusing and downright daunting.
Dental Insurance Most dental insurance plans cover basic services like routine checkups, cleaning and X-rays. There is a variety of dental plans available so it pays to shop around to find the plan best suited to your individual and/or family needs and budget. Keep in mind these plans are by nature restrictive and some services will not be covered. For example the policy will not cover cosmetic
Most of the available dental plans will have a cap meaning this is the maximum amount the insurance company will pay for dental care in a policy term which is 12 months. This is referred to as the “annual cap” and is typically $2,000 a year.
The coverage provided is subject to a deductible. The deductible can apply to all covered dental procedures, or only to certain individual services such as caps, crowns or root canals. Usually the deductible is small, less than $100, but you may have payments reduced further if the policy contains a co-insurance clause. For example you have your treatment, pay your $100 deductible and then you co- insure or participate in the remaining balance. Co-insurance clauses are generally based on a percentage of 80-20% meaning you will be responsible to pay the remaining 20% of the balance due.
If you are on Medicare note that Medicare does not include coverage for routine dental checkups, cleanings, fillings, crowns, implants, dentures, and can also exclude coverage for tooth extractions. So, to protect your teeth, you need to get a private dental insurance plan to go along with Medicare.