A Family’s Guide to Dental Insurance – Keeping It Simple

Understanding Dental InsurancePart of a well-rounded financial plan is knowing what insurance is and what it covers. For families, it’s even more important to understand dental insurance benefits because for many, cutting costs and making wise decisions is a daily part of life.

According to a 2017 study by the US Department of Agriculture, the cost of raising a child from birth to 17 years of age in the urban northeast hovers around $264,090. If that number made you gasp, you’re not alone. Families across all parts of the country want to be smart in decisions about housing, transportation, food, and healthcare.

So let’s take a look at what dental insurance is, what services are generally covered, and some of the top providers across the country.

What is Dental Insurance?

In the simplest of terms, dental insurance is protection against paying 100% for costs related to dental care. Like auto insurance or life insurance, a regular payment is made each month to protect you from larger expenses, both expected and unexpected.

Here’s how it works:

  1. Every month either you or your employer makes a payment (called a premium) to your dental insurance company in exchange for reduced rates on services—some services will even be fully covered.
  2. When you or your family member visits the dentist, your dental practice files paperwork with your dental insurance company (called a claim) letting them know about the services you had.
  3. Your insurance company then pays your dentist for those services.
  4. Any remaining balance, if there is one, is then passed on to you.

Dental insurance allows you peace of mind knowing your family’s dental care is top notch all while helping you manage costs that work within your budget.

Another way many to save within the framework of your dental insurance plan is to choose what is called an in-network dentist. An in-network dentist is a provider who has an agreement with your insurance company which means deeper discounts for you.

Make sure to visit the website of your insurance provider to find an in-network dentist near you.

What does Dental Insurance Cover?

Dental plans vary widely so it’s important to examine your specific plan. However, many dental practices, like Simply Beautiful Smiles, employ administrative professionals who can guide you through your plan and help you make the best decisions for your family.

Dental plans often cover the following services 100%:

  • Two routine cleanings each calendar year
  • Fluoride treatments
  • Sealants
  • Periodic X-Rays

Other services may be covered anywhere from 50-80%. These services may include:

  • Fillings
  • Root canals
  • Crowns
  • Bridges
  • Other basic and major procedures

Who are the Top Dental Insurance Providers?

It’s important to know the names of reputable dental insurance providers. While some employers who offer dental insurance may not give you a choice, you ideally have a dental insurance provider who is a leader in the industry and has a track record providing quality plans for their customers.

Although you may come across smaller and lesser-known insurance providers, choosing one of the nation’s top providers ensures that you’re dealing with experts.

Some of the most reputable dental insurance providers include:

  • Aetna
  • Cigna
  • Delta
  • Fidelio
  • Guardian
  • Horizon Blue Cross Blue Shield
  • MetLife

Talk to the professionals at your dental practice and ask their recommendations for the insurance company that would best suit your needs. Their expertise in dealing with dental insurance day-in and day-out could be the missing piece in your decision.

For more information about your dental coverage or our patient-first vision of complete dental care, contact Simply Beautiful Smiles.  The entire team looks forward to welcoming you to our practice and serving the dental needs of you and your family for years to come.

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