Simply put, dental insurance covers dental treatments. It’s much easier to navigate than medical insurance. Its purpose is to offset the cost of dental care. The focus is on preventative measures and helping patients maintain good oral health. Treating illnesses as soon as symptoms arise to prevent more complex issues is the main idea. In cases of more severe problems, dental insurance usually covers at least a portion of the treatment, so the patient doesn’t have to pay the full bill.
Dental insurance is a valuable benefit covering preventative care at 100% and lowering out-of-pocket costs. Although it is separate from medical insurance, many employers offer it as part of their benefit package (in addition with vision insurance). Dental insurance can therefore be a part of a larger medical insurance plan or a separate policy. 3 out 4 Americans have dental insurance, but many do not know how it works or what it covers. Let us help you understand the basics.