Everything You Need to Know About Major Dental Insurance

Dental insurance is an important part of overall health insurance, as oral health is linked to many other medical conditions. Major dental insurance covers a wide range of dental procedures, from routine cleanings to complex oral surgeries. In this article, we will explore everything you need to know about major dental insurance, including what it covers, how it works, and how to choose the right plan.

What is Major Dental Insurance?

Major dental insurance is a type of insurance that covers a wide range of dental procedures, from routine cleanings and fillings to more complex procedures like root canals and oral surgeries. It is typically part of a larger health insurance plan, but can also be purchased as a standalone policy.

Major dental insurance usually has a higher monthly premium than basic dental insurance, but also offers more comprehensive coverage. It is ideal for individuals who require more frequent dental procedures, or who have existing oral health issues.

What Does Major Dental Insurance Cover?

The exact coverage provided by major dental insurance varies from plan to plan. However, most plans cover the following procedures:

It is important to note that major dental insurance typically has a waiting period for certain procedures. This means that you may not be covered for certain procedures until you have been insured for a certain period of time (usually 6-12 months).

How Does Major Dental Insurance Work?

Major dental insurance works similarly to other types of health insurance. You pay a monthly premium, and in return, the insurance company covers a portion of your dental costs. The exact amount of coverage depends on your plan and the specific procedure you are having done.

When you visit a dentist, you will typically be responsible for a portion of the cost of the procedure, known as the deductible. Once you have met your deductible, the insurance company will cover a percentage of the remaining cost, up to a certain limit (known as the annual maximum).

It is important to choose a plan with a deductible and annual maximum that you can afford, as you will be responsible for any costs that exceed these limits.

How to Choose the Right Major Dental Insurance Plan

Choosing the right major dental insurance plan can be overwhelming, as there are many options to choose from. Here are some factors to consider when selecting a plan:

Coverage

The first thing to consider when choosing a major dental insurance plan is what procedures are covered. Look for a plan that covers the procedures you are most likely to need, and that has a waiting period that matches your needs.

Cost

The cost of the plan is another important factor to consider. Look for a plan with a monthly premium that fits within your budget, and a deductible and annual maximum that you can afford.

Provider Network

Make sure that the plan you choose has a provider network that includes dentists in your area. You may also want to check the plan’s reviews to see what other customers have to say about the quality of care provided by the network.

Customer Service

Finally, consider the customer service provided by the insurance company. Look for a company with a good reputation for customer service, and make sure that they are easy to contact and responsive to your needs.

FAQs

What is the difference between major dental insurance and basic dental insurance?

Basic dental insurance covers routine procedures like cleanings and fillings, while major dental insurance covers a wider range of procedures, including root canals and oral surgeries.

How much does major dental insurance cost?

The cost of major dental insurance varies depending on the plan and your location. However, the average monthly premium is around $50-100.

Do I have to wait to use my major dental insurance?

Most major dental insurance plans have a waiting period for certain procedures. This means that you may not be covered for certain procedures until you have been insured for a certain period of time (usually 6-12 months).

How do I find a provider that accepts my major dental insurance?

You can usually find a list of providers that accept your major dental insurance by contacting the insurance company or searching their website. You can also ask your dentist if they accept your insurance.

Can I use major dental insurance for cosmetic procedures?

Major dental insurance typically does not cover cosmetic procedures like teeth whitening or veneers. However, some plans may cover certain cosmetic procedures if they are deemed medically necessary.

Overall, major dental insurance is an important part of overall health insurance, providing coverage for a wide range of dental procedures. By choosing the right plan and understanding how it works, you can ensure that you and your family have access to the dental care you need.