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Dental Insurance

Dental Insurance Plans

Individual Dental Insurance

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Oral Health Care

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Dental Insurance

Dental insurance has been on the rise over the course of the last decade as people become more aware of the importance of maintaining excellent oral health, although dental insurance is still predominantly viewed as secondary to health insurance by most Americans. Similar to health insurance, dental insurance is preventative in its design. Having dental insurance coverage allows for the continual maintenance of your oral health. Investing in preventative dental care has the potential of saving you a great deal of time, pain and money in the long run if it helps to thwart serious dental procedures / issues.

There are 4 major dental insurance plans from which to choose from, including:

  • Dental HMOs
  • Indemnity Plans
  • Preferred Provider Organizations
  • Discount Dental Plans

The types of dental care that these insurance plans provide coverage for include:

  • Routine Care (Check-ups)
  • Dentures / Dental Implants
  • Gum Disease / Gingivitis
  • Tooth Removal (Including Wisdom Teeth Extraction)
  • Root Canals
  • Crowns
  • X-Rays
  • Cavities

If you select a Discount Dental Plan and simply require 2 routine check-ups in a year, then you could end up paying as little as $90 - $100 for your dental coverage. If you are on the opposite side of the spectrum, however, and you have a large family or have oral health issues like root canals or crowns, you will find that your yearly costs are much higher.