Dental Insurance Plan Coverage
When enrolling for any type of insurance policy, a consumer must have a good understanding of the inclusions of the policy. It is important to do so since not everything is covered by the insurance. There are certain exclusions and limitations depending on the type of situation and other factors. In dental insurance, a consumer should be aware of the coverage of the plan. There are several types of dental insurance plans, and not all these plans have the same coverage. But in general, most dental insurance policies have common inclusions provided to the patients.
A typical dental insurance policy covers the basic dental procedures such as the following:
- General cleaning or oral prophylaxis
- Tartar removal
- Scaling
- Tooth polishing
- Regular dental check-up
- Dental visit or consultation
- Amalgam fillings
- Fluoride applications
A low-cost dental insurance plan basically covers a few of the services on the list above but full dental insurance plan coverage includes all of it plus other services such as crown fitting and composite fillings, but not the full coverage of it.
There are certain dental treatment procedures that are not covered in any dental insurance plan. These are the following:
- Tooth extraction
- Root canal
- Cosmetic or aesthetic dentistry
- Other elective procedures
- Complex dental procedures e.g. dental braces, tooth jacket
If the patient needs to undergo any of these dental procedures, the insurer is not going to cover for the charges but the patient will have to personally shoulder the cost out from the pocket.
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