Full Coverage Dental Insurance Author:    Posted under: Health InsuranceHealth Insurance Types


There’s no question, oral health is important. Equally important is the issue of an individual availing of dental insurance, especially with the rising cost of keeping your teeth and gums healthy. One type of dental insurance that most people find beneficial is full coverage dental insurance.

What is full coverage dental insurance?

Contrary to what the name suggests, full coverage does not mean that it will cover all the costs related to dental care. This type of insurance is just like a standard form of dental coverage. Full dental insurance does not always cover the entire cost of all your dental needs even with the best coverage. Full coverage insurance works like most other types of insurance where you pay a premium and your insurance company pays for a portion of the expenses associated with your dental needs. Generally, the more you pay in premiums, or the higher your deductibles, the more you can anticipate to be covered.

As with any other traditional form of dental coverage, full dental insurance works by agreement. A dental insurance company is chosen, as well as the dental coverage. A contract is signed with the company and you then become a policyholder. Your insurance company will require you to pay premiums (you can choose to pay on a monthly, semi-annual or annual basis) in order for you to maintain an active policy. Additionally, you may need to pay a higher deductible or co-payment for a portion of a claim amount. A full coverage dental policy may require you to select from within a network of accredited dentists.

What is covered under full coverage insurance?

The types of procedures that are covered, as will the cost of each, vary from policy to policy and company to company. Some companies may offer pricey dental plans that cover most of the expenses related to most dental work. However, even if you have the best type dental coverage, you can expect that full dental coverage will usually still charge you for at least a portion of the cost involved in your dental work. Most insurance companies offer the same three levels of benefits under full coverage dental insurance:

Basic dental care – With this level, you are essentially entitled to receive a certain number of cleanings and dental check-ups per year. Depending on the plan you’ve selected, you would need to pay a percentage of the cost those check-ups and procedures. Preventive dental care will keep you from spending more money in the long run by helping you avoid more serious dental ailments that would necessitate expensive measures.

Minor dental care – Typically covers more involved procedures other than check-ups and simple cleanings. This may be the need to have a tooth filled, which is a very common practice. Keep in mind that your insurance company may only partially pay for the cost of fillings and other common procedures.

Major dental care – Most full coverage dental policies will cover only a very small percentage of procedures considered major dental care such as denture fittings, root canals, and surgery and tooth extractions. Some insurance companies may put a maximum cap on the amount that they will pay for this type of dental care while others may not offer any benefits in this area at all.

Find out what kind of dental procedures you will need before purchasing a plan in order to get as much as possible out of your coverage. Additionally, it will help to determine whether pre-existing conditions would hamper your ability to use your dental coverage for treatments and procedures connected to that particular condition.

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