Dental insurance is a type of insurance policy that helps cover the costs of dental services. Dental insurance is typically separate from a health insurance plan. However, some health insurance plans in the Marketplace have dental coverage. You can see which plans include dental coverage when you compare them. If a health insurance plan includes dental, the premium covers both health and dental coverage.
Dental insurance works similarly to a health insurance plan. You pay a monthly premium to buy the plan. Most plans also have a deductible, which is the amount you pay for covered services before your plan starts paying. Once you’ve met your deductible, you’ll usually pay for a percentage of covered services (coinsurance) or a fixed amount (copay). Your insurance plan typically pays for the rest, up to an annual maximum amount. A waiting period may also apply for some services.
There are different types of dental insurance plans available, including Dental Health Maintenance Organization (DHMO) plans, Dental Preferred Provider Organization (DPPO) plans, and Dental Indemnity plans.
Dental Health Maintenance Organization (DHMO) plans are often the most affordable type of dental insurance. With a DHMO, you’ll choose a primary care dentist from a network of providers. You’ll need to see this dentist for all of your dental care, except in the case of an emergency.
Dental Preferred Provider Organization (DPPO) plans offer more flexibility than DHMO plans. With a DPPO, you can see any dentist you want, but you’ll save money if you see a dentist in the plan’s network.
Dental indemnity plans are also known as “traditional” or “fee-for-service” plans. They give you the freedom to choose any dentist you want. However, they typically have higher premiums than DHMO or DPPO plans.
Dental insurance plans vary in terms of their coverage. However, most plans cover at least a portion of the cost of preventive care, such as cleanings and exams. Many plans also cover basic restorative care, such as fillings and extractions. Some plans also cover more extensive procedures, such as crowns, bridges, and implants. Orthodontia may be covered under separate categories.
The best dental insurance plan for you will depend on your individual needs and budget. Consider factors such as your overall health, your dental care needs, and your budget. It’s also important to compare plans from different insurance companies to find the best value.
