Most people think about getting medical insurance to cover costs of doctor visits, illnesses, or emergency medical care. However, not everyone realizes that they will need separate dental insurance to safeguard the health of their teeth. Dental insurance is important both for regular dental health maintenance and dental emergencies.
What does dental insurance do for me?
Most dental insurance will cover some or all of the cost for dental procedures including the following:
- One or two dental checkups a year covered entirely by dental insurance with a possible small copay per visit
- One or two dental cleanings a year covered entirely by dental insurance with a possible small copay
- One or two fluoride treatments for children and older adults a year covered entirely by dental insurance
- Partial coverage by dental insurance for basic procedures like root canals or extractions
- Partial coverage by dental insurance for procedures like crowns and bridges.
Other details about dental insurance
Some employers offer dental insurance as part of their employee benefits package. However, even if your employer does not offer dental insurance, some insurance companies will sell individual dental insurance plans to a single person or a family. Dental insurance may not seem important when you just think about the cost of routine exams and cleaning, but dental insurance can be invaluable in the case of an emergency. Dental insurance will offer you the peace of mind that a sudden toothache or chipped tooth is covered. Some dental insurance packages can include orthodontic care that many children and teenagers need. If your primary dental insurance does not cover your needs completely, you can also give it a boost with a supplemental dental insurance plan.