Oral health is essential to your overall well-being. The mouth is considered the gateway to the body and, as a consequence, poor oral health has been linked to chronic diseases like diabetes, heart disease and stroke. The cost of dental care can be high, but dental insurance aids in offsetting some of those expenses.
While the benefits and costs of dental insurance plans can vary significantly, there are coverage options for every budget. Keep reading to discover the types of dental insurance available, as well as the costs and benefits associated with coverage.
What Is Dental Insurance?
Dental insurance, which is separate from your primary health insurance, provides coverage to help protect you from the high costs of dental care. Dental insurance may be offered to you as an employment benefit, or you can buy a plan from a health insurance company. Approximately 64% of the U.S. population have dental insurance.
Most dental plans work similarly:
What Does Dental Insurance Cover?
Most full coverage dental insurance plans use the 100/80/50 cost-sharing model.
Some plans also cover a portion of orthodontic appliances, such as braces and retainers. Choose the plan that offers the best coverage for you and your family’s current and future dental needs.
What Doesn’t Dental Insurance Cover?
Dental insurance doesn’t typically cover cosmetic dental services, or wear and tear, which are considered not medically necessary. These procedures include any dental procedure that is done for aesthetic reasons, such as teeth whitening or non-essential veneer placement, and they could leave you with a significant out-of-pocket expense.
Types of Dental Insurance Plans
There are many different types of dental insurance plans, each with different benefits and out-of-pocket costs. Some offer a large network of dentists for a higher monthly premium while others have a lower monthly premium but require more out-of-pocket expenses for certain procedures.
The three most common types of dental insurance plans include:
Dental Insurance Costs
If your employer offers a dental insurance plan, it’s likely your most cost-effective option. Most employer-based dental insurance plans are deeply discounted depending on the size of the organization and the number of employees enrolled in the plan.
If you purchase private dental insurance, premiums vary by provider, plan type and coverage levels. While most pay between $40 and $120 a month for a basic dental plan, this amount can be more or less depending on your location, plan structure, and the insurance company plan that you choose. Typical implant coverage plans start at $70per month, up to $150 per month. The higher the Maximum yearly coverage ($5000) the more expensive the plan.
You also need to consider deductibles, co-pays, and annual maximum allowances in the total cost of dental insurance.
Should You Get Dental Insurance?
“Dental insurance is the third-ranked must-have benefit among employees, just after medical insurance and a 401(k),” says David Guarrera, M.D., vice president and chief dental officer at MetLife. “Employees are 10% more likely to say dental is a must-have than they were in 2018, and one in 10 employees say they have needed to undergo a major dental procedure in the past 12 months,” he adds.
Here are the average costs of dental services without dental insurance.
Ameritas PPO http://ShopDental.xyz
Nationwide PPO http://ShopDental.pro
Cigna PPO http://ShopDental.org