When it Comes to Dental Insurance Full Coverage is a Must

Dental Health
By: Spirit Dental
May 9, 2015

Person in scrubs talking to patient

If you are considering dental insurance full coverage is a must-have, because it will ensure that you do not have to worry about issues such as dental cleanings, crowns, fillings or implants. A lot of insurance policies cover only certain kinds of procedures, or claim to offer full coverage, but have co-pays so high that you end up paying in full for a lot of smaller procedures.

So, where can you find dental insurance full coverage plans? Well, most dental insurance plans that are offered by specialist providers are full coverage these days. If you study the terms and conditions of the plan you will be able to tell what you are getting into, and whether the plan is good value for money for you.

Cosmetic Procedures

One thing that you have to be aware of when you are looking at dental insurance is that not all policies will cover cosmetic procedures. Sometimes braces are offered on insurance, and other cosmetic procedures may be too, if your dentist recommends the procedure for reasons beyond changing how your teeth look - for example you may be able to get braces fitted to improve your smile, but also to ensure that your teeth are as easy to clean as possible. In addition, you may be able to get implants not just to fill a gap in your smile, but because the lack of a tooth makes it hard for you to chew food properly.

Read your terms and conditions carefully to find out what exclusions your policy has, and whether exceptions are made for certain procedures if your dentist deems them medically necessary.

In addition, check that your dentist is on the list of approved providers - it would be unfortunate to discover that your insurance provider does not recognize your family dentist, especially if you have been working with them for a long time, and trust them. This is especially important for families; many children who are nervous about going to the dentist find that seeing the same friendly person each time, and being treated in a comfortable and familiar environment, is much easier for them than having to cope with the stress and fear of seeing someone new.

If you don't have a dental insurance plan at all, you should definitely consider taking one out. A full coverage plan that includes preventative care as well as procedures is the best option for peace of mind.

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