Dental insurance is a type of insurance that covers the cost of preventive and restorative dental care. Contact Richard W. Shelton Insurance in Hollister, California, to learn more about your dental insurance options.
What Is Dental Insurance?
Dental insurance is a type of insurance designed to help you pay for the cost of dental care. It may be a good choice if you need frequent dental treatments or have a family with multiple members needing dental care. Dental insurance premiums vary depending on the type of plan you choose, your location and your age.
What Does Dental Insurance Cover?
Dental insurance typically covers preventive care, such as routine checkups, cleanings and X-rays. It may also help with restorative care, such as fillings, crowns and root canals. Some plans may also cover orthodontic treatment, such as braces or Invisalign. However, not all plans cover orthodontic treatment, so it’s essential to check the details of your policy’s details before signing up.
Dental insurance usually has a maximum annual benefit, the maximum amount the insurance company will pay for dental care in a year. You are responsible for paying the remaining cost if you exceed this amount.
Types of Dental Insurance Plans
There are two main types of dental insurance plans, including the following:
Indemnity plans, or traditional dental insurance, allow you to see any dentist you choose. The insurance company pays a percentage of the cost of your dental care, and you’re responsible for paying the remaining amount. Indemnity plans typically have higher premiums and deductibles than managed care plans.
Managed care plans limit your choice of dentist to a network of providers. These plans may have lower premiums and deductibles, but you’ll need to choose a dentist within the network to receive coverage.
Dental health maintenance organizations (DHMOs) may offer lower premiums and co-payments but have a limited selection of dentists.
Preferred provider organizations (PPOs) may offer more flexibility regarding which dentist you can visit, but premiums and co-payments may be higher.
Dental insurance can provide valuable coverage for anyone who wants to maintain good oral health. The Richard W. Shelton Insurance team can help you find the best plan for your needs and budget. Contact us today to get a quote.