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Common Dental Insurance Terms
Millions of people acquire some type of affordable dental insurance plan in order to help pay for their routine dental visits. These visits can include six-month cleanings, cavity fillings, and even bridgework or root canals. It certainly pays to be prepared for dental emergencies with the right level of coverage or supplemental dental insurance. However, before you actually buy an insurance plan, it is wise to acquire several quotes so you know what all of your options are. The key terms listed below will also help you learn more.
Root Canal – This refers to a pulp-filled cavity in the root of a tooth. The procedure involves drilling to the root of the tooth and replacing the infected pulp with an inert material. This essentially relieves pain and discomfort that stems from the tooth’s nerves.
Dental Bridge – A set of one or more false teeth that are used to replace a missing tooth or teeth. This bridge is constructed of hard materials like porcelain, and is supported by metal framework. It can be fixed in the mouth or removable.
Tooth Crown – This is a dental restoration that can be used to repair a large cavity or crack in a tooth. The procedure generally involved grinding or polishing down the original tooth and placing a porcelain cap over it. The cap or crown resembles the original tooth in shape and color. It is cemented to the original tooth base.
Supplemental Dental Insurance – A coverage plan that is provided directly to the policy holder or buyer by the insurance company. This type of policy allows for the individual to control the amount paid for the family or individual coverage. A quote is often acquired first.
Orthodontic Specialist – A professional that specializes in dealing with teeth irregularities.
A dental insurance plan provides an individual with coverage that allows them to see a specialist without having to pay anything more than a deductible on many occasions. There are many different types of dental plans - group, individual, family, and discount. While the cost and coverage of each plan is different, the purpose of them is to help patients afford necessary work done to keep their teeth clean.
While health insurance is different from dental coverage, the health insurance carrier often offers dental plans - sometimes at a discount rate when purchasing them together. With so many choices, it is always best to find out what is covered in the plan. This includes braces, routine exams, dentures, and orthodontic care.
Finding a dentist or specialist is simple nowadays because there are so many to choose from. This competition prevents most providers from being able to charge consumers more than what is fair on their bill. Lesser dental expenses mean premium payments for insurance will also remain competitive and affordable even for a college student or a low-income family.
Shopping around to find affordable premiums is a smart move. However, it should be noted that price is not the only factor that must be taken into consideration when deciding on a dental insurance plan. Other important factors should include the potential out-of-pocket expenses, the deductible, how many exams per year are allowed, the waiting periods for each service, and the annual benefit maximum. It is always best to seek the advice of an insurance professional before deciding on a dental plan.