Dental Insurance

Dental insurance is crucial in helping you and your family maintain oral health and wellness. While dental insurance focuses primarily on ensuring you can access dental health services and products, oral health conditions can often significantly impact your overall well-being. Dental coverage should be considered an essential step to maintaining general health. 

What Is Dental Insurance and How Does it Work? 

Dental insurance is typically separate from general health plans. Although both types of insurance can provide financial assistance as you seek to restore or maintain your health and wellness, health and dental insurance are separate products.  

Although health and dental insurance function as separate entities, they often function similarly by establishing contractual agreements between you and your insurance company. By paying your regular (e.g., monthly) premiums, you retain access to financial assistance for dental health services. Policies typically include the following components: 

• Deductibles are the amounts you must pay out of pocket in a single plan year before your policy can provide a payout for certain covered services. 
• Premiums are the amounts you regularly pay to maintain your coverage. 
• Copayments are flat fees paid out of pocket for specific services, such as checkups, cleanings and X-rays. 
• Coinsurance functions similarly to copayments but establishes percentages of total costs for which you are responsible. 

Which Dental Insurance Covers Implants? 

The capabilities and limitations of dental insurance may vary significantly depending on the coverage level you choose, where you get your plan and your budgetary preferences. If you want a plan that can provide aid for more advanced products and procedures, such as dental implants, root canals, and bridges, full coverage dental insurance may be an advisable choice. 

Which Dental Insurance Has the Best Coverage? 

The ideal dental insurance plan will vary depending on your unique circumstances, including your needs, preferences, budget and oral health history. For example, if your family has a history of oral health issues, you may wish to invest in a more comprehensive plan. A qualified insurance professional, such as those at Estrella Insurance Agency, can help you assess your options and select an appropriate policy. 

Where to Get Dental Insurance 

Dental insurance can be secured through various means. Employers often offer group plans, and the Health Insurance Marketplace also includes various options that can be customized to suit your needs. Additionally, Medicare may offer dental insurance for seniors and other qualifying individuals. 

Contact Estrella Insurance Agency today to learn more about dental coverage.