Dental Insurance: Things You Should Know 

Whether you’re thinking about purchasing dental insurance, aren’t sure whether you should select it as part of your employer plan, have insurance and are wondering how much it will pay for when you visit the dentist, or don’t have insurance and need dental care, our team can help answer your questions. We know that navigating dental insurance is complicated—our team is here to provide support and help you to understand what’s covered and what’s not, as well as work with you to find solutions to pay for care if you don’t have insurance. 

Dental Insurance Coverage—What’s Covered Under a Typical Policy

What’s covered under your dental policy will depend on your insurer and the details of your policy; all policies are different. Before you seek dental care somewhere—even just a checkup—you should verify that the dentist is covered under your insurance first. With that in mind, dental insurance plans typically cover a portion of costs for:

• Preventative care
• Fillings
• Crowns 
• Root canals
• Dental surgeries

Depending on your policy, you may also have coverage for some orthodontic or periodontal work. 

Dental Insurance Cost—How Much You Should Expect to Pay

A person’s out-of-pocket costs for dental insurance can vary widely depending on whether their employer is sponsoring the dental plan and footing a part of the bill and the details of their policy. According to one source, Americans pay about $360 a year, or between $15-50 per month, on average for dental insurance. 

Dental Care Without Dental Insurance—Is That an Option?

Having dental insurance can make a huge difference on your pocketbook if you need dental care—if you think dental insurance is expensive, you wouldn’t believe how much dental care without insurance costs! Like all forms of medical care, paying for care out-of-pocket can get pricey. Unfortunately, not everyone who needs dental care needs insurance, and not all types of dental care are covered under insurance, or an insurance policy may only cover a proportion of costs. At Distinctive Dental Solutions, we have financing options available. We know that dental insurance isn’t for everyone, but want to make sure that patients can still get care when they need it. Ask us about our in-house membership plan and financing options. 

Talk to Distinctive Dental Solutions Today

If you have questions about dental insurance and what’s covered under your policy or if you would like to learn more about our in-house membership plan, please reach out to us directly by phone or online. We are happy to answer all of your questions.