Dental insurance provides a range of coverage for various dental procedures including preventive care and more involved services like fillings, crowns, and root canals. Like other types of insurance, dental insurance requires you to pay a monthly insurance premium, and you may also pay an annual or lifetime deductible as well as copayments when you visit a dentist for care. Once your annual maximum benefit amount is met, you will have to pay for dental care out of pocket. Also, note that dental insurance frequently comes with waiting periods that can vary depending on the type of care you need.
Dental Insurance Typically Includes
You should read over the terms and conditions of any plan you’re considering to make sure that basic care like fillings as well as major services like crowns and bridges are included in your coverage. The majority of dental insurance plans cover preventive care like cleanings and X-rays at 100%, although waiting periods may apply. Coverage for basic services like fillings, root canals, and tooth extractions is also included, although it’s normally limited to a percentage of the cost (i.e., 50%). You can also buy coverage that includes major services like crowns, bridges, dental implants, and orthodontics, although plans that cover major services tend to cost more and limit the payout to 50% in most cases.
Dental Insurance Typically Excludes
Dental insurance doesn’t normally cover cosmetic procedures like teeth whitening, and you may also struggle to find coverage for pre-existing conditions such as missing teeth. Some insurance plans leave out major services like dental implants and orthodontic care altogether. Make sure to read over your dental insurance policy to see what it includes and excludes.
Vision insurance is easy and affordable to add as a vision rider to your dental benefits. Eye exams are important to your vision and your overall health. In fact, regular eye checkups can help detect glaucoma, age-related macular degeneration, diabetic retinopathy and cataracts. There are optional riders that works with your dental coverage and can pay benefits for eye exams and vision correction.
Covered vision correction
Vision correction includes prescription: eyeglasses, sunglasses, sports glasses, spare pairs and contact lenses.
Covered eye exams
Every year: up to $50 per person
Follow the links below to find the best Dental & Vision Plan to meet your needs.