Dental insurance

What is dental insurance?

Good oral health depends on regular dental care. Dental insurance pays all or part of your dental expenses—from routine cleanings to braces, crowns, and implants, depending on your plan. Regular dental care is an important part of your oral health, and dental insurance is an affordable way for you and your family to get the care that you need.

How does it work?

When you sign up for dental insurance through work, you can take advantage of group rates that are often more affordable than the rates you would face if you were to purchase insurance on your own. Coverage may also be available for your spouse and dependents, so you can keep your family healthy.

Most dental plans give you access to a Participating Provider Organization (PPO) network, which negotiates discounted rates with the dentists in the network for nearly every procedure covered by your dental insurance. This means that you have fewer out-of-pocket expenses when you visit an in-network dentist.

Dental insurance makes use of a coinsurance (cost-sharing) arrangement. When you visit the dentist, the insurance company pays a portion of the allowable expense for a covered service, and you pay the remaining amount. Your coinsurance amount will vary based on the type of dental procedure. The following chart shows sample coinsurance amounts for different types of dental procedures when you visit an in-network dentist:

 

Insurance company may pay

You pay

Cleaning

100%

0%

Filling

80%

20%

Crown

50%

50%

Coinsurance amounts and covered procedures vary by plan. Your plan may also have different coinsurance amounts for covered services if you visit an out-of-network dentist.

When choosing a dental plan, it’s important to consider the coinsurance amount for different types of procedures, your deductible, plan maximums, as well as using an in-network dentist.

Dental insurance is an easy way to keep your family healthy and smiling.

SLPC 24559 09/14 (exp. 09/16)

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