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Ask the Doctor: Dental Insurance

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Posted: Monday, March 31, 2014 9:22 am

What does dental insurance usually cover?

Dental insurance normally covers 80 to 100 percent of the costs for preventive services such as x-rays, teeth cleaning and exams. Other dental insurance plans may offer only 50 percent coverage so it is recommended that a person carefully look at the best insurance plan offered.

Where can you find more details on insurance plans offered?

Dental insurance plans can be directly purchased by members or is provided through a person’s employer. If you enroll as a member through your employer, you may pay some of the membership by way of a paycheck.

What do dental insurance plans provide?

Insurance plans help cover different dental treatment each year up to a certain amount of money. It is important to utilize your insurance as much as possible as dental insurance benefits expire on a year to year basis. It is important to know that you cannot carry over the money accumulated from that year over into the next year. If you use all of your dental treatment benefits for the year, you are responsible for any additional dental treatments for the remainder of that year. It is recommended that you use as much as the benefits as possible each year so none goes to waste.

Why is preventive care so important?

Preventive dental care is important because it prevents further dental problems down the road. Also, most preventive dental care is often covered by dental insurance so it is a good opportunity to utilize your benefits. It saves money not only at the present moment but also for the future.

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