Dental Insurance

Dental Insurance
The mere thought of out-of-pocket expenses prevents many Americans from securing dental treatment. Today’s dental treatments may range in cost from $300 per year for simple professional dental hygiene visits, to $25,000 or more for restorative dental work or cosmetic dentistry. Additionally, compared to medical insurance coverage, dental insurance plans generally offer reduced benefit structures.

Today, however, stronger financing options are available for out-of-pocket dental treatment costs, and dental insurance plans still reduce your financial burden in some ways.
Dental Insurence Plan
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.