Understanding Dental Insurance

Although dental insurance may be separate from general health insurance, that does not mean it is not just as important an investment for your overall well-being. Oral health can have far-reaching impacts on the rest of your body, meaning that failing to secure the right dental coverage could lead to significant consequences. With these stakes in mind, the team at Estrella Insurance Agency is here to offer guidance.

What Does Dental Insurance Cover?

Like their general health insurance counterparts, dental plans can often be customized in accordance with your needs, preferences and budget. Depending on these details, your policy could assist with many types of oral health services and products, including the following:

• Checkups
• Cleanings
• Braces
• X-rays
• Extractions
• Fillings
• Crowns
• Root canals
• Dentures

How Does Dental Insurance Work?

Your dental insurance policy establishes a contract between you and your insurance carrier. In exchange for your regular (e.g., monthly) premiums, you can submit a claim for financial aid when seeking covered services. Dental insurance plans consist of various features and components, and you should familiarize yourself with the following key clauses:

• Deductibles are what you will typically need to pay out of pocket in a plan year before your insurer will begin to provide financial aid.
• Premiums establish the amount you pay to maintain your coverage.
• Copays and coinsurance are flat fees and percentages, respectively, you must pay out of pocket for specific services.
• Annual maximums set an upper limit on how much your coverage will pay out for care in a single plan year.

Dental Insurance in Aurora, IL

The team at Estrella Insurance Agency is committed to helping individuals and families in the Aurora, IL, area as they seek out the right dental coverage. Contact us today to learn more about your options or to compare personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.