Dental Insurance Plans

Various types of dental insurance plans are available for individuals in the U.S. In fact, some employers offer programs whereby a certain portion of income is allocated to a special flexible spending account before taxes are assessed. The employee benefits from less taxation and is able to use these funds for dental or medical treatment.

You may not be aware that you have flexible spending account options available through your employer for dental or medical needs. Check with your employer to see if a flexible spending account is an option for you.

No two dental insurance plans offer identical benefits. Each plan has specific limitations and exclusions. Get to know your plan. For example, if you require a dental filling and would prefer a composite material, evaluate the benefits allocated in the plan for composite fillings. Many insurance companies will only reimburse composite filling costs at a rate equal to that of an amalgam filling. You would be required to pay the remaining balance.

Cosmetic dental procedures are not traditionally covered by dental insurance. However, if you have insurance and require veneers for restorative purposes, ask your dentist about the possibility of filing for reimbursement for a percentage of the costs.