Dental insurance policies help many people effectively budget for the cost of maintaining a great smile. Compared with medical insurance, understanding dental insurance policies is a breeze. Most policies are straightforward and specific regarding which procedures are covered and exactly how much you have to pay out of pocket. Dental insurance is available as part of medical insurance plans or as a stand-alone policy.
Despite the fact that dental care is crucial to one’s overall health, many Americans still require dental insurance. According to the National Association of Dental Plans, only about 60% of Americans have dental coverage. This is because many health plans employers offer don’t include dental insurance as part of their benefits.
However, there are options for individuals to obtain dental insurance on their own. Many private insurance companies offer stand-alone dental insurance plans or bundled packages with medical and vision coverage. Additionally, some states offer Medicaid programs that include dental coverage for eligible individuals.
It’s important to consider the cost and benefits when choosing a dental insurance plan. Some plans may have low premiums but high deductibles or limited coverage for certain procedures. It’s also important to check if the plan includes preventative care such as regular cleanings and exams.
Dental expenses can add up quickly without insurance coverage, so it’s worth exploring different options to find a plan that works best for each individual’s needs and budget.