Affordable Dental and Vision Insurance Coverage

Like other forms of insurance, with dental insurance, the insured pays premium towards no cost or a reduced cost of dental expenses. Dental insurance typically covers preventive measures, basic dental care processes and the major dental works. Preventive measures are covered to the most extent, while major dental procedures are covered to the least extent by dental insurance.

The preventive measures include routine teeth cleaning, bitewing x-rays and annual checkups and are fully covered by most plans offered by dental insurance providers. Basic dental procedures include deep cleaning and fillings and are mostly covered, up to 80%, by dental plans. Major dental procedures include treatments of root canals as well as bridges.

Insurance companies classify preventative, basic and major dental procedures differently. However, the rule of thumb goes thus: preventative procedures are those that are routinely carried out to ensure optimal dental health; basic dental procedures are those that are more than routine processes but are not major processes; and major dental procedures are typically those that could have been prevented if better attention was paid to dental health earlier and will often involve multiple corrective procedures.

The percentage of the procedures covered also depend on the insurance company, and these details are typically shared with the client before they buy specific dental insurance in Indiana or Alabama.