Dental Insurance in Rockville Centre, NY
Taking care of your dental health is an integral step in maintaining general health and wellness. Conditions involving your teeth, gums and mouth may not only have dire consequences for your oral health but could also lead to additional issues throughout the rest of your body. Furthermore, even practicing responsible oral hygiene may not be enough to prevent and manage all potential issues. With that in mind, it’s necessary to ensure you can access essential health services by acquiring and maintaining dental insurance.
How Does Dental Insurance Work?
Dental insurance is a type of health insurance that can often be included as part of an employer-sponsored benefits package or purchased separately through the private market. Like general health plans, your dental insurance can often be personalized to suit your coverage needs and budgetary preferences. Depending on these choices, plans may provide coverage for the following services and procedures:
- Checkups
- Cleanings
- Fluoride treatments
- X-rays
- Fillings
- Extractions
- Crowns
- Root canals
- Dentures
- Braces
- Bridges
- Inlays
- Dental implants
Like general health insurance, there are several key terms that you should familiarize yourself with before selecting a dental plan, including the following:
- Premiums are the amounts paid regularly (e.g., monthly) by a policyholder to maintain coverage.
- Co-pays establish how much a policyholder must pay out of pocket for certain dental services.
- Deductibles refer to the minimum amount that must be paid in a single plan year before coverage will begin to provide funds.
- Co-insurance refers to the percentage of a dental procedure that will be paid for by the insurance company.
- Annual maximum is the maximum financial assistance a dental policy will provide in a given plan year.
How Much Does Dental Insurance Cost?
The cost of dental insurance policies can vary significantly depending on the coverage levels you select. Details involving your premiums, co-pays, deductibles, co-insurance and annual maximum can all greatly influence your overall costs. For example, high coverage level policies generally include higher premiums but lower co-pays and deductibles. As such, your out-of-pocket costs will be lower, but regular payments will be higher. Conversely, if you have a low coverage level plan, you’ll usually pay less to maintain your coverage while paying more when receiving services.
Get the Right Coverage
Whether you acquire the right dental plan through your employer or on your own, this coverage can be an invaluable component of your insurance portfolio. Without adequate coverage, you may lack the resources and access to prevent or respond to oral health issues. As such, your health, wellness and finances could all be jeopardized.
At United Benefit Solutions, our agents are well-equipped to assess and address dental insurance needs. We will help you understand the various options available to you and ensure optimal selections. Contact us today to get started.