DENT-INS

DENTAL INSURANCE

Dental insurance makes dental care more affordable. With a focus on prevention, dental insurance typically covers professional services like routine check-ups that enable your dentist to detect problems early on and help you avoid future costly and complex procedures. Dental insurance may help lower costs by covering a significant portion of preventive care (exams, cleanings, sealants, etc.) and some portion of more extensive procedures (fillings, crowns, extractions, space maintainers, etc.).

Dental terms to be familiar with:

• Premium: the amount you pay for dental benefits. • Deductible or out-of-pocket costs: the amount you pay towards covered services before insurance benefits are paid. • Coinsurance: the amount that you pay for a covered dental treatment (usually a per centage) after paying your deductible. • Copay: the fixed dollar amount you pay for a service covered under your dental plan. Deductibles, Coinsurance, and Copayments are set by your insurance company. It is the duty of the healthcare provider to collect payments and the responsibility of the insured to be knowledgeable of their plan benefits and possible out of pocket expenses.