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Understanding Dental Insurance Plans


Dental insurance is designed to cover preventive care. The highest quality dental insurance generally only covers ex rays, cleaning, and other preventive steps. Any treatment beyond preventive care will require a higher patient financial commitment.

Routine Dental Preventive Care

All dental plans are structured to encourage the patient to get routine care. The insurance companies assume that regular care prevents future problems. The difference in the cost of dental care provided by a general practitioner, or a specialist is often dramatic.

By taking advantage of preventive care, most of us will be able to avoid extensive procedures that become very expensive. Fortunately, dental care is far less expensive than all overall health care.

Getting the Most of your Insurance

If you are covered by dental insurance, make sure you make the most of it. Have the annual checkups, cleanings, and x-rays as recommended by your dentist. Make sure you carefully follow any treatment plans that your dentist has offered.

According to the American Dental Association, 46% of Americans are not covered by dental insurance. This number is even more significant when you consider premiums for dental insurance are typically less than $50.00 per month per person.

Three Basic Types of Dental Insurance

There are three basic types of dental insurance. The dental HMO is similar to a health maintenance organization. These plans allow a limited selection of dentists however they also do the best job in limiting out of pocket expenses. Premiums for these plans are generally the most affordable and can be as low as $13.00 a month.

Dental PPOs

Dental PPOs restrict your dental visits to dentists within their network. You may elect to visit a dentist outside of the plan, but if you do, you will pay a higher out of pocket. Premiums for these plans are generally about $30.00 per month.

Traditional dental plans also known as a dental indemnity plan are not as common for the individual coverage. If you can find them, the premiums for these plans are generally about $40.00 per month.

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Group Coverage

It is widely believed that an individual who does not work for a company offering group coverage cannot get group coverage. This is simply not true. Credit unions, professional associations and others often provide their members access to group dental plans. One advantage of joining these plans is that premiums tend to be low, ranging from $30.00 to $45.00 per month. For the most part the media coverage is in effect for preventive, diagnostic, and restoration.

Discount Dental Plans

Discount plans should not be confused with a dental insurance plan. These plans offer a low monthly cost, but do not ensure per say. Instead, they offer significant discounts on dental treatment. One concern about these plans is they are mostly unlicensed. Since dental insurance is relatively inexpensive, there is little benefit to these discount plans.


Whether you are single or have a family, you may be considering a new dental plan. Make sure you understand not only the benefits you are entitled to, but also the costs associated with them. Dental insurance is very cost effective. There is no reason to be without it.

Related topics: Dental Insurance Coverage




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