Does Preventive Care Get Covered by Dental Insurance?
If you are scrolling on different websites to know the different ways to get a good oral health. Then, you are at right place. You must have heard of Preventive dentistry. The other name fo rit is preventive dental care. Talking more on its details, Preventive dentistry is a combination of two best processes to get a perfect oral health. In this regular dental checkups and development of good habits like flossing and brushing are included.
Many of you must have heard of dental insurance. So, you must also be happy in knowing that preventive dentistry gets covered by this insurance. But, to avail the benefits regular dental care is a must. However, we all know that even after having dental insurance, we still need to pay a little percent of the total amount, stated by your insurance plan. Now, it is time to talk about all the factors that affect dental coverage and how dental insurance works.
How much does dental insurance cover?
The exact amount cannot be stated for dental insurance coverage. Because it is completely It y depends on the plan type and the dental services that you have opted. Your insurance plan can cover a different percent of the cost of dental care services. It depends on whether these dental care services are preventive, basic or major.
So, let us inform that your main services and check-ups such as X-rays, regular dental check-ups, and cleanings are covered under it. Also, as per the insurance plan, the coverage of amount is set as per the insurance plan and total amount. In general, most dental insurance carriers take what is known as the 100-80-50 approach to coverage. It means-
- 100% insurance coverage for preventive dental care
- 80% insurance coverage for basic dental care
- 50% insurance coverage for major restorative dental care
How many types of dental services are covered by dental insurance?
Preventive dental care:
Preventive dental care means a specific type of dental service. The main aim of preventive dentistry is to prevent and diagnose disease and dysfunction. These dental care services help you to maintain better oral health and hygiene. It also helps to avoid future problems. You know most dental insurance plans cover a minimum of two preventive visits per year at 100%. But some offer more. Coverage for the expenses of preventive dental care is one of the reasons why dental insurance is worth it. You know you can make up for the cost of the premiums very easily. For this, you just need to go to your preventive dental care appointments. But it could be more expensive if you need additional dental care each year. Let’s see what kind of dental services are preventive.
- Routine X-rays
- Oral check-ups and screenings
- Sealants for protecting your back teeth
- Cleanings and fluoride treatment
Basic dental care:
Basic dental care treats oral damage that has already happened. It includes gum diseases and cavities. However, it depends on how insurance covers fillings and crowns. Some basic dental services are-
- Simple tooth extractions
- Fillings
- Root canal treatment
- Treatment of gum disease
Major dental care:
You must be thinking if dental insurance covers wisdom tooth extraction or dentures. Well, the answer is yes. These are just some of the dental services that are mainly considered as major restorative care. More complex or extensive procedures are required for this type of dental work. You can feel relieved to hear that most dental insurance plans pay about half of the cost of major restorative care. Major dental services partially covered-
- Bridges
- Crowns
- Oral surgery
- Dental implants
- Complex tooth extraction
- Dentures
