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How does Dental Insurance work?

let's talk about dental insurance

nothing makes a better impression than a

warm engaging smile which is why

everybody wants to have beautiful

healthy teeth dental insurance can help

you maintain that smile through regular

cleanings and preventive care and

protect against unexpected injuries to

teeth and gums in this video we'll

answer the following questions what is

dental insurance how does it work and

how can you pick the right plan for you

and your family dental insurance is

designed to provide affordable access to

oral health care and to help pay for

basic preventive care as well as some

major dental services covered services

can vary from one plan to the next but

typically include regular cleanings

twice a year fillings and crowns and

root canals when needed

individually purchase dental insurance

typically does not provide coverage for

cosmetic or elective procedures like

teeth whitening or dental implants

as with health insurance some dental

insurance companies have preferred

provider networks to maximize your

benefits find a dental insurance plan

that your dentist accepts and try to

receive all of your dental care within

your insurers preferred network of

providers like other types of insurance

dental insurance plans typically have

cost-sharing requirements like

deductibles and co-pays for some oral

health services expensive procedures

like crowns and root canals may be

subject to different deductibles and

co-pays and routine cleanings depending

on the plan you have when you shop for

dental insurance try to find a plan that

your dentist accepts or one that has a

robust network of providers in your area

it's easy to check on the different

levels of cost-sharing in a plan by

clicking on the plan comparison tool at

a health insurance com find out what

portion of a bill you're expected to pay

for routine things like office visits

and cleanings and for possible dental

emergencies that require crowns or root

canals some plans have waiting periods

for specific services if you suddenly

learn that you need expensive dental

surgery it's unlikely that you'll be

able to buy dental insurance today and

have the surgery tomorrow if you take

the time to understand the different

products you're considering purchasing

you'll be in a better position to buy

the coverage that fits your specific

dental needs

now that we've looked at what dental

insurance is how it works and how to

pick the right plan remember dental

insurance is relatively affordable in

most states and it's easy for most

people to qualify for coverage dental

insurance is purchased separately from

health insurance don't assume that your

medical insurance will cover a visit to

the dentist if you have questions

contact a licensed agent who can help

you find a plan that fits your needs and

your budget