In this article we will discuss how to determine if dental coverage is the right choice for you. It’s no secret that major dental work can be expensive, and many of us don’t have coverage through our employer, so we have to consider purchasing it on our own. However, dental insurance can be a waste of money if we don’t purchase a plan that suits our needs. Having too much or too little coverage will often result in big bills that we can’t afford.
Your monthly premium will depend will depend on where you live, which company you choose and what type of plan you decide on. For many people this amount will be somewhere in the neighbourhood of $50. This means that you’re spending $600 on dental costs each year even if you don’t get any work done. It is important to remember that insurance is designed to protect you in a worst-case scenario. Dental insurance is significantly different from most other kinds of insurance, like health insurance or car insurance, because the potential downside is fairly low.
In a year where you only require the basic cleanings and exams, you will likely not be putting to use all of the money that you have paid in 12 months of premiums. You will begin to benefit from your coverage when more major procedures arise, some of which will be covered, and others will not. This once again comes down to the type of plan that you are paying for.
The following list contains examples of plans that insurance providers will offer based on a monthly premium. Please check with your insurance provider as your actual plan may differ from those shown below.
Basic coverage includes:
- Ongoing care and maintenance of teeth, roots and gums
- Diagnostic services – exams, radiographs, X-rays and tests
- Preventative treatment – polishing, scaling, oral hygiene instruction, pit and fissure sealants, and space maintainers
- Minor restorations – fillings, prefab crowns for primary teeth, and other services completed in conjunction with minor restorations
- Endodontics – root canal therapy
- Periodontics – treatment of gums
- Denture maintenance – relines and rebases
- Oral surgery – removal of teeth
- Adjunctive services – anesthesia, medications and pain relief
Major coverage includes:
- Crowns and onlays
- Dentures and bridges
- Related items such as posts, pins and denture-related surgery
- Replacements when the existing appliance is five or more years old
- Appliance maintenance – denture relines and rebases, denture or bridgework repair
Note: For groups with fewer than 35 plan members, at least five members must have both Basic and Major coverage for Major coverage to be available.
Orthodontic coverage includes:
- Ortho-exams, X-rays, diagnostic radiographs and casts
- Braces and retainers (limited to children between the ages of 6 and 18 when treatment begins)
We can help determine if CEREC Crowns are a good choice for you. They may be covered by your dental benefits. Learn more about the procedure in our free ebook below: