Full Coverage Dental Insurance

Full Coverage Dental Insurance

  To be upfront and clear, having a full coverage dental insurance policy doesn’t mean you won’t have to pay anything for the services provided. These types only cover a portion of dental services depending mostly on much you pay towards the premium to obtain the full coverage dental insurance policy. Even though a plan may be called “full coverage insurance,” it doesn’t necessarily mean every dental service is covered 100%. It’s important when researching that you find out exactly what is covered and what is not. Obviously, you want the services that cover at least basic procedures, like cleanings and x-rays, but you may need some specific service covered in your dental plan like braces and retainers. If you and your family have nice straight teeth, then these services may not be so essential and you could find another plan that may cost less because these services are not included in the plan. Note that a full coverage dental insurance policy and a full coverage dental plan is not the same thing.  A full coverage dental insurance policy is an indemnity plan you purchase though an insurance provider. These types of plans will always cost more than a full coverage dental discount plan will cost.

Basically, there are three levels of coverage: the first level is basic general needs like cleanings and x-rays which are considered preventive care that is normally covered at 100% twice a year. The second level covers minor dental care such as fillings, root canals, orthodontic procedures and reconstructive procedures. The third level covers more detailed procedures that require surgery and/or reconstructive procedures. Cosmetic procedures may or may not be covered. Coverage for the second and third levels will vary based upon the plan you select and the cost of what you pay towards your premiums. A higher premium payment would cover more that a lower cost policy/plan.

It’s very important to check into dental insurance for at least basic procedures that will maintain your gums and teeth. If some of the other plans are too costly for your budget, just stick to a basic plan for now. Full coverage dental insurance policies are not for everyone. That’s why I’m covering so many different areas here; to get you thinking and to give you choices.