Dental Supplemental Insurance: What You Need to Know

When it comes to dental health, preventive care is key. However, even with proper dental hygiene, regular checkups, and cleanings, unexpected dental issues can arise. This is where dental supplemental insurance can come in handy. In this article, we’ll go over what dental supplemental insurance is, how it works, and some frequently asked questions.

What is Dental Supplemental Insurance?

Dental supplemental insurance, also known as dental secondary insurance, is insurance that helps cover the costs of dental care. It is designed to work in conjunction with primary dental insurance, which typically has a low annual maximum and limited coverage.

Dental supplemental insurance provides extra coverage for procedures that may not be covered by primary dental insurance. This can include services such as orthodontics, cosmetic procedures, and more.

How does Dental Supplemental Insurance Work?

When you have both primary and supplemental dental insurance, the primary insurance pays out first, up to its maximum limit. The remaining costs are then covered by the supplemental insurance.

For example, let’s say you need a dental implant that costs $5,000. Your primary dental insurance has an annual maximum of $1,500 and covers 50% of the implant cost, leaving you with a balance of $1,750. However, with dental supplemental insurance, the remaining $1,750 may be covered in full or partially.

What are the Types of Dental Supplemental Insurance?

There are two types of dental supplemental insurance: indemnity and managed care.

Indemnity dental insurance is a fee-for-service plan that allows you to see any dentist you choose. You pay the bill, and then submit a claim to the insurance company for reimbursement.

Managed care dental insurance, on the other hand, is a network-based plan that requires you to see a dentist within a specific network of providers. The insurance company negotiates fees with the network providers, and you pay a predetermined amount for each service received.

Benefits of Dental Supplemental Insurance

Dental supplemental insurance offers several benefits, including:

FAQs

Is Dental Supplemental Insurance Worth the Cost?

Whether dental supplemental insurance is worth the cost depends on your dental needs, the cost of the premiums, and the coverage that is provided. If you anticipate needing costly dental procedures in the future or have a history of dental issues, supplemental insurance may be worth the cost.

Can You Buy Dental Supplemental Insurance Without Primary Dental Insurance?

No, dental supplemental insurance is designed to work in conjunction with primary dental insurance. It is not intended to be a standalone insurance plan.

Does Dental Supplemental Insurance Cover Cosmetic Procedures?

It depends on the plan. Some dental supplemental insurance plans cover cosmetic procedures, while others do not. Be sure to read the plan details carefully to see what is covered.

How Much Does Dental Supplemental Insurance Cost?

The cost of dental supplemental insurance varies depending on the plan, coverage, and location. On average, dental supplemental insurance premiums can range from $20-$50 per month.

Are There Any Exclusions to Dental Supplemental Insurance?

Yes, dental supplemental insurance plans may have exclusions for certain procedures or conditions. Be sure to read the plan details carefully to see what is covered and what is excluded.

In conclusion, dental supplemental insurance can be a valuable investment for those needing extra coverage for dental procedures. However, it is important to research plans carefully, understand what is covered and what is not, and determine if the cost is worth the benefits.