Full Coverage Dental Insurance - Is It Right For You?
Full coverage dental insurance sounds expensive; can you afford it? If you are going to need to have a lot of dental work done in the next few years, you can't afford not to have dental insurance.
What Procedures Are Covered With Full coverage dental insurance?
With full coverage dental insurance, "full coverage" means just that - you have 100% coverage for all dental procedures.
When you go to the dentist once a year to have your mouth and gums examined, gum measurements made, and x-rays taken, the visit will be 100% covered by your dental insurance.
When you go to the dental hygienist two times a year to have your teeth cleaned, scaled, flossed, and polished, that visit, too, is covered 100% by your full coverage dental insurance.
If you need to have teeth extracted, the extractions are covered by your full coverage dental insurance. It doesn't matter if the extractions are being performed so you can get braces or other orthodontic treatment, or because the tooth was decayed or abscessed. It doesn't matter if the extracted tooth was a baby tooth or a wisdom tooth. With full coverage dental insurance, you are covered.
Fillings, crowns, bridges, root canals, fluoride treatments, braces, gum surgery, dental implants, and many other dental procedures are all covered by full coverage dental insurance.
Alternatives To Full coverage dental insurance
Full coverage dental insurance can be expensive, and not everyone needs this kind of "Cadillac" coverage. One alternative to full coverage dental insurance is a discount dental network.
With a discount dental network, dentists agree to provide services at reduced costs to network members. One advantage of working with a network is that pre-existing conditions will be covered. There are no complicated forms to be filled out for claims processing. There is no waiting period, and no one will be turned down for coverage.
Dentists who provide care through a discount dental network provide the same quality and treatment to their network customers as they provide to their regular customers, and customers who have full coverage dental insurance.
The discount dental network refers a high volume of patients to the dentist, making it possible for the dentist to offer care to network members at reduced rates. Both the patient and the dentist receive a schedule of benefits from the discount dental network, so there are no unpleasant surprises on either side.
Whether you choose dental insurance or a discount dental network, making dental care affordable is an excellent idea.
