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Let’s face it: Getting dental work done can be truly costly. For this, Dental Insurance policies may support you to proficiently maintain your budget for preserving your evergreen smile.
When you compare medical insurance policies, understanding dental insurance policies is just like water! Maximum policies are simple and very specific in terms of procedures that will be covered and how much you need to pay from your wallets. Dental insurance policies are also available in the form of stand-alone policies.
Dental procedures covered by insurance policies are usually categorized into three groups of coverage: preventive, basic, and major. Basic plan includes problems related to gums, teeth,
extractions, fillings, and root canals. Preventive plan covers treatments such as annual cleanings, X-rays, and sealants. And the major plan includes bridges, inlays, and dentures which are only typically covered at 50%, with the person paying more out-of-pocket expenses than other procedures.
However, usually cosmetic procedures like dental veneers, crowns, tooth shaping, gum contouring or whitening are not usually covered. Actually, every policy varies in which procedures are grouped as preventive, basic, and major. Deductibles, co-pays, and coinsurance are applied, and most plans have annual coverage maximums that are relatively low, starting from $750 to $2,000 in several cases.
Firstly, you have to select a plan depending on the dentist you wish to be able to select from and what amount you can afford to pay. If you already have a preferable dentist and they are already tied up with your insurance company’s network, then you’ll be able to select one of the less costly plans. But if you don’t have a dentist at all, then all you can do is to choose from the dentists who are already in the network. The monthly premiums will be based on the insurance company, your location, and the policy you pick. Maximum dental
policies have waiting periods starting from 6 to 12 months before any kind of standard work can be done.
Don’t worry if you do not have any insurance, as we are here to help you! In Clay, AL, we provide you with one affordable annual premium with which you can have scheduled preventive care (cleanings, fluoride treatments and X-rays) covered at 100%, and save 15 - 20% on all services. Though, our savings plan is not insurance, but it is even better, as there are no waiting periods, forms to be filed, or even annual maximums.