Dental insurance helps cover issues related to oral health, including preventive care and annual cleanings. Many employers offer employees dental insurance benefits, but you can also buy individual or family plans if your employer doesn’t offer this type of insurance. Our agents are here to help you determine what’s best for your needs.
What Is Dental Insurance?
Dental insurance is a separate policy from your typical health insurance. Dental insurance provides coverage for routine and preventive oral health care services, fillings, and X-rays. Some plans may even offer coverage for crowns, extractions, and orthodontic services. Every plan is different, so be sure to work with your agent to understand what is and is not covered under your plan.
With dental insurance, you’ll have access to covered care through in-network providers. If you choose to see an out-of-network provider, you may not have any coverage at all through your dental insurance plan. Dental insurance may not fully cover all costs associated with treatment, even if it is in-network, but it can help keep your costs as low as possible.
Who Needs Dental Insurance?
While dental insurance is not required, it’s highly recommended as it covers a wide range of preemptive care. Most dental plans cover preventive care, including annual cleaning visits, x-rays and sealants. If you’re unsure if dental insurance would be beneficial, contact an agent to learn more.
How to Get Dental Insurance
If you’re looking into dental insurance, James L. Smith Insurance Agency is here to help. Contact an agent today for more information or to get started.