What Does Dental Insurance Cover?

 

Cosmetic Dentist Las Vegas

The world of health insurance is an ever-evolving industry. For many patients, it can be overwhelming. Like your health insurance, dental insurance can be a crucial piece to maintaining your dental health. Having coverage allows you to receive more affordable preventive care and possibly avoid more severe problems if you cannot see the dentist regularly.

Marielaina Perrone DDS and her dental team can help you understand exactly the kind of coverage you have under your dental insurance policy. They can also help you know what you can expect your out-of-pocket costs for various dental treatments. This communication will allow you to understand your dental coverage better.

Dental Insurance Coverage Explained 

Your dental office should be one of your calls when attempting to figure out the benefits of your policy. The staff can help you understand what treatments you are covered for and what out-of-pocket financial costs you can expect. 

Marielaina Perrone DDS offers payment plans (CareCredit) that allow patients to make payments over time, so dental problems do not go left untreated and become more significant problems in the future. 

Typical Dental Insurance Benefits

It would be best if you viewed your dental insurance benefit as more of a discount card. 

Dental insurance is a way to offset some dental care costs and maintain optimal dental health through routine examinations and professional cleanings. Typically they are not for covering the entire costs of various procedures. 

What Is Considered Basic Dental Coverage?

Every dental insurance policy will be different in what it covers and what it does not. However, a standard dental insurance plan should cover between 70 and 100 percent of the costs for the following treatments:

  • Routine Dental Examinations
  • Professional Dental Cleaning Every 6 Months
  • Fluoride Treatments For Children
  • Dental Sealants For Children
  • Routine X-Rays

Out of Pocket Procedures 

Dental insurance plans typically have levels of coverage. Based on the type of coverage you have selected, your insurance may also cover a defined financial percentage of more involved procedures like:

Is Dental Insurance Needed?

Depends on the individual. If you see your dentist 2x per year and maintain adequate dental hygiene at home, you can probably get away without it. You will have to weigh the cost vs. what you use in a given year. Going to the dentist for routine dental examinations and professional cleanings at least twice a year will catch any issues while still minor and easily restored. You stay on top of potential problems before they become more significant issues that your dental insurance may not cover. If you review you may find you are paying more for the dental insurance than the benefit you are receiving.

Always practice good oral hygiene at home, follow your dentist’s instructions for maintaining oral health, avoid gum disease, and prevent cavities by maintaining a healthy and balanced diet.

If you have questions on how to make the most of your dental insurance benefits, ask our team at Marielaina Perrone DDS to review your coverage details with you.