Health insurance reform has been an issue at the forefront of American politics for the past several years. Health insurance plans are more easily accessible and more affordable than ever. However, when they are planning for health insurance some people forget about dental insurance enrollment. Although not mandatory, dental insurance enrollment can be a valuable asset for ensuring the health and wellbeing of you and your family. There are a few things to keep in mind when you are seeking dental insurance enrollment.
How can I get dental insurance enrollment?
Dental insurance enrollment is sometimes included in the health plan that comes with an employee’s benefits package. Check with your employer to see if they offer dental insurance enrollment to employees. Universities might also offer an option of dental insurance enrollment through a student dental insurance plan. If you are a student at a college or university, check to see if your school offers optional dental insurance enrollment. Dental insurance enrollment can also be obtained through the state or federal insurance marketplace. Some health plans on the insurance exchange include dental insurance enrollment along with the medical insurance enrollment. If your health plan does not cover dental insurance enrollment, then you can get dental insurance enrollment is a separate plan with a separate premium.
Most dental insurance enrollment includes:
- Full coverage of one or two dental exams a year with a copay
- Full coverage of one or two dental cleanings a year, usually during an exam visit
- One or two fluoride treatments a year for children or older adults
- Partial coverage of procedures like extractions and root canals
- Partial coverage of procedures like crowns and bridges