Not everybody has dental insurance although it’s often offered by your employer together with the health insurance. A dental insurance covers costs for necessary dental treatments so that you don’t have to pay for them yourself. However, there are many important things to consider before you choose a dental insurance.
The American Dental Association states that still more than half of the US population has no dental insurance coverage. The first source to find out more or get more information about it is your employer. It’s the same in Canada where the public health care system doesn’t cover dental treatments either. Canadians and Americans either have to pay the bills of their dentist themselves or get some kind of dental insurance.
There are many different dental insurance providers and it pays to take a closer look. The first thing you will notice is that most insurance companies have a yearly maximum they are willing to pay. Usually it’s just $1,000 but it should cover the most important and most necessary treatments. If you spend more than $1,000 a year then you have to pay the difference yourself.
With some companies you can’t choose the dentist yourself but have to go to a dentist who is in their network of contracted dentists. If you have a favorite dentists then make sure he is either supported by the insurance or you choose an insurance where you can choose any dentist you want.
Important differences can also be found in the UCR (Usual Customary and Reasonable). The UCR shows you if the insurance has maximum amounts it is willing to pay for certain dental procedures. If for instance the UCR says that for a filling $100 will be paid but your dentist charges $150, then you will have to pay the $50 difference yourself. Insurances which support only certain dentists in their network shouldn’t charge the difference but companies where you can choose the dentist yourself could charge for it.
Another important part in dental insurances is the range of dental procedures covered. Many insurance companies just cover basic, preventive and restorative treatments. The third “major” category which would include crowns, dentures or bridges for example are not covered. Make sure you choose a company with “major” coverage if this is important to you.
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