Differences in Dental Insurance and Health Insurance

Dental insurance is independent of health insurance. If you have purchased a health insurance policy or your employer offers only one health insurance policy, then you need to add a policy to have a dental dental coverage. Policies dental insurance coverage and some basic preventive dental care. Prevention services can be as low as $ 0 visits twice a year. Basic services include fillings, sealants, extractions and more. The main services dentures, root canals, crowns and more.

Like health insurance policies, policies dental insurance will be the preferred provider organizations (PPO), offering the best coverage if you choose one of their network of dentists. A good policy will offer dental visits to low $ 0 copay Preventive little or no deductible basic dental care. A franchise low for dental insurance is about $ 50. Also dental policies usually have a maximum annual amount that the insurance pays, usually $ 1,000 per person per year. Basic services are offered on a 80/20 split with the insurer, the insured pays 20% after the deductible. If key services are covered by the policy, it is probably a mixture of 50/50 after deductible. Only one deductible must be paid annually for basic and major services combined.


Check your policy for specific services such as orthodontics. Cosemetic harness and procedures as veneers and teeth whitening are generally not covered unless the policy expressly provides coverage. There are plans available on the market indivudual that offers discounts to special services about 25% with no maximum. There are also financial cards such as credit care in the market to help fund these benefits. As cosemetic medical procedures, but coverage is typically only a reduction, not always included in the standard coverage.

A good dental policy will cost, market or benefits, around $ 40 a month for one person. Adding family members is offered at a reduced price. Although there are plans to provide coverage for about $ 15 each month, the network of dentists is much smaller than the more expensive plans. If you are looking for quotes for benefits or store individual / family or working as self-employed for contracts with a broker for the best plans available in your area. Brokers can quickly compare quotes from many companies give you the best view of your options. A broker can also search for networks dental dentist favorite, so you can stay with the same supplier, if you want to do.