Dental care keeps your smile bright and healthy, and also prevents tooth decay, gum disease, and other serious issues. Dental insurance helps lower the cost of essential procedures and ensures you can access the care you need when you need it most. Here are some of the basics about these insurance plans so you can make the best decisions. 

A Guide to Dental Insurance

What does dental insurance cover? 

Dental policies cover most types of preventative care. This includes teeth cleanings, X-rays, and exams. How much of the cost is covered typically depends on the plan; some cover 100% of preventative care while others cover only 80%.

What about restorative treatments?

Restorative treatments, like fillings, implants, and root canals, are usually covered, albeit at a lower rate than preventative care. For example, some policies only cover 50% of the costs of restorative care. You may also be limited in the types of procedures you can get while still being covered. Most plans cover amalgam fillings, but you’ll need to pay extra if you want a tooth-colored, composite filling. 

What’s not covered?

In general, cosmetic treatments are not covered by insurance because they’re not considered essential to your oral health. The same can be said of orthodontic treatments, including metal braces and clear aligners. In this case, choosing a rider, or supplemental policy, mitigates these costs. 

Are there coverage limits I should be aware of?

Most plans have a yearly limit for covered treatments; it usually falls between $1,000 to $1,500, and once you’ve gone over the amount, you’ll be required to pay for services out of pocket. Additionally, you’ll also be required to pay a deductible before the treatment. 

While having the right insurance in place is a must, it’s also important to work with an agency that has a genuine investment in client care. This is what the Lighthouse Agency provides their clients with throughout Ohio, Kentucky, and Indiana. Their health insurance policies also include dental coverage, and they also offer life insurance to protect your family after you’re gone. Visit them online to request your personalized quote today. If you’d like more information, feel free to call (513) 860-9100.