Dental insurance premiums can be more expensive than simply paying out of your own pocket for routine checkups and cleanings. So if you're one of the millions of Americans with no dental coverage, is a policy for your pearly whites worth the cost? The answer may depend on whether you expect to face aching bills for your teeth.

Most dental insurance policies emphasize prevention and diagnostics, typically covering two annual exams and cleanings, plus X-rays and, for children and older adults, fluoride treatments, says Evelyn Ireland, executive director of the National Association of Dental Plans, or NADP.

But the real benefit is being covered for bigger-ticket procedures, such as fillings, root canals and crowns, says Carrie McLean, a consumer specialist with eHealthInsurance.com.

"It's like health insurance -- you're really buying peace of mind," McLean says.

Fewer than 6 out of every 10 Americans had dental benefits in 2010, according to a report released in late 2011 by the NADP and Delta Dental Plans Association.

Dental policies vary widely, and choosing the right one can be tougher than remembering to brush twice a day.

What's covered, what's not

People with dental insurance commonly have what's described as "100-80-50" coverage, meaning it pays 100 percent of the cost of routine preventive and diagnostic care, such as checkups and cleanings; covers 80 percent for fillings, root canals and other basic procedures; and 50 percent for crowns, bridges and major procedures, Ireland says.

The vast majority of coverage is provided through employee and group policies, plans that charged annual premiums of between $234 and $432 per person in 2011, according to NADP estimates.

The cost for you to buy an individual policy averages about $360 a year, McLean says.

Meanwhile, paying out of your own pocket for two exams and cleanings and a set of X-rays in 2011 would have cost about $370, on average, according to the American Dental Association.


Related Posts:

No Dental Insurance? Don't Wait For Something To Go Wrong

Don't Use Your Health Savings Account Funds Right Away

Call The Lynn Company at (661)-873-2200 for more information on Dental Insurance

Read More: Source

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Medical Quote
Medical Quote
Vision Quote
Vision Quote
Dental Quote
Dental Quote
Long Term Care Quote
Long Term Care Quote
Life Insurance Quote
Life Quote
Medicare Quote
Medicare Quote
Find Us on Facebook  Follow Us on Twitter  Connect with Us on LinkedIn   Watch Us on YouTube   Find Us on Google  Folllow our Blog




Please note that we cannot bind insurance via email, fax, or voicemail. Any quotes given are subject to underwriting guidelines by the respective insurance carriers. Any reference of coverage used are not intended to express legal opinion as to the nature of coverage, but rather just a brief generalization of coverages. Please read your policy for coverage details.
WHAT ELSE CAN WE HELP YOU WITH?
Simply fill out the form and someone will respond to you
3761 Bernard Street | Bakersfield, CA 93306
Powered by Insurance Website Builder
Refer A Friend Back To Top
Back To Top