Most health insurance policies do not cover dental work. Thankfully, you can get an insurance cover that is specifically for your dental procedures. This is known as a dental insurance policy. These policies cover the routine checkups, minor procedures and even dental operations. They share some characteristics with regular medical insurance covers. Examples of these characteristics are co-payments, deductibles and co-insurance. Read on to learn more about how dental insurance works.
Features of dental insurance
This type of insurance has a number of features that make it more affordable for you. One of these is co-insurance. This feature means that when you incur dental costs, your insurer will pay a particular percentage of the cost while you will pay the rest. This percentage is predetermined by you and your insurer. The amount that you pay is referred to as co-insurance and it regarded as an out-of-pocket cost. This co-insurance is payable even if a deductible has been reached.
A deductible is another feature of dental insurance. This deductible is the total annual amount of dental fees that you must pay before your insurer begins to cover your dental bills. This means that after going for a dental procedure, you will have to pay a certain amount before your insurer can intervene and pay the rest. The deductible is an annual amount. Related to a deductible is a co-payment.
A co-payment is the amount that you must pay for your dental visits. It is a predetermined, fixed amount. You must pay this amount either before having the procedure done or after receiving the bill for the procedure.
Classes of service
Dental insurance is divided into classes. These classes are 4 in number. Each class covers a number of specific dental services.
Class I covers any dental diagnoses and preventive procedures for example cleaning, examinations and x-rays of the teeth. The dental insurance cover pays for Class I services in full.
Class II dental services include fillings, root canals and periodontal procedures. These are regarded as basic restorative care. The dental insurance covers 80% of the costs involved in Class II dental services.
Class III dental services are generally known as major restorative procedures. Examples of these are getting crowns, bridges and dentures. Dental insurance cover pays 50% of the amounts involved in Class III dental services.
Class IV dental services are those that require intensive care. Dental surgeries fall into this category. Also, orthodontia or braces are included in this class of services. This class has a lifetime maximum that is separate. This means that it is not part of the dollar maximum that you pay annually. Investing in dental insurance is a very good idea.