What Full Coverage Dental Insurance Can Do For You

There are several types of dental insurance plans. Some may cover the basics while others will cover more expensive treatments or care. These plans are known as “full coverage.” But what exactly is dental insurance, and what does it cover?

Full coverage dental insurance consists of plans that cover preventive care, as well as basic or major restorative care, and in some cases, orthodontic treatment. Full coverage includes benefits for several dental procedures and treatments. For instance, things such as root canals, implants, and bridges, as well as preventive care, may be covered under a full coverage dental plan. Keep in mind, full coverage doesn’t mean 100% of the costs are covered.

The main types of dental plans considered full coverage are Preferred Provider Organization (PPO), Health Maintenance Organization (HMO), Exclusive Provider Organization (EPO), and Point-of-Service Plan (POS). All these plans may provide coverage for a variety of dental services and treatments. These plans can vary greatly from insurer to insurer based on covered services, limitations, and costs.

Usually, full coverage plans cover beyond preventive care. The following coverage may be offered as well:

  • Basic Restorative Care: Things such as extractions, fillings, and non-routine X-rays are included here.
  • Major Restorative Care: Dentures, bridges, and crowns are part of this plan.
  • Orthodontic Treatment: Things such as braces, space maintainers, and other devices to align your teeth may be included.  
  • Preventive Dental Care: This type of coverage includes fluoride treatments, routine X-rays, cleanings, and sealants by frequency and age. Dental plans cover 100% for preventive dental services except for a copay at the time of visit.

Full dental plans will vary in cost based on the plan you choose. For instance, DPPO and DHMO plans will vary by deductible, coinsurance, annual maximum, and premium. When it comes to deductibles, some dental plans such as DPPO plans have it while others don’t. Your coinsurance is a percentage of the costs you and your plan share, usually once the deductible is met. With plans that don’t have a deductible such as a DHMO, you will pay a flat fee for the services you get. The annual maximum is the most your plan will pay towards your dental care each year. If you spend past that, you may be responsible for out-of-pocket costs. Finally, your premium is the amount you pay every month. Some plans will have higher premiums than others. Plans with higher premiums tend to offer more options.

You can get a full coverage dental plan without a waiting period. Preventive care will be covered right away but you may have to wait for more complex or costly care. Enroll in a dental plan today.

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