A look at dental insurance and tooth procedures, and more insurance forms.

Full Coverage Dental Insurance – How Does It Work?

With many individual and family full coverage dental insurance plans out there, finding a policy isn't hard; but how does it work?

Dental care is an important part of overall healthcare and is something that everyone needs to consider. However the potential cost of this can be something that puts many people of regular dental visits. While this can seem like a way of saving money, the chances are that avoiding the dentist will lead to a larger expense at a later date. If you are looking for a little peace of mind with regard to dental bills then considering full coverage dental insurance can be an option to help meet the costs of dental work.

Full coverage dental insurance is typically a standard insurance policy. The first step is to find dental insurance companies that provide this type of insurance and there are a number of these including Guardian Dental Company and Aetna. Typically the full coverage policies on offer vary from company to company and it can pay to do a little research to find out what each has to offer. This allows you to identify an insurance plan that will meet your dental care needs and your budget.

Once you have identified a suitable company and policy you will typically sign a full coverage dental insurance agreement with them. This will generally need you to pay monthly or yearly premiums to the insurance company. In return when you need dental work done you can refer to and claim on the policy to cover some, if not all, of the cost.

When people initially consider full coverage dental insurance the typical thought is that it will cover the cost of all dental work that they have carried out. However this is not the case and even with the best insurance coverage all the expense of dental care work may not be covered. Generally the more expensive the premiums are for full coverage insurance for dental work the more procedures that will be included and the more likely it is that the insurance will cover the cost of the work. However before purchasing insurance it pays to read the policy carefully and make sure you are fully aware of what is covered and the typical payout costs for these.

Full coverage dental insurance plans enroll dentists to participate at a reduced fee schedule.   The partnered company then refers its employees to dentists within their network, allowing the future patients to benefit from lower fees.

The dentist is not allowed to charge the difference between regular fees and the insurance company allowance to the patient.   When a dentist accepts full coverage dental insurance , he or she is permitted to charge the patient the difference between the office visit fee and that of the dental plan

What it covers

The type of dental procedures covered by full coverage dental insurance can vary widely from company to company and even vary between the policies offered by an individual company. It therefore is common sense to study the policy in detail before signing up to ensure you know exactly what is and is not covered by your policy and the likely costs that will be paid out in the event that you need work done. Apart from yourself, the person that knows your teeth best is your dentist and it can be worth discussing the policy with them before signing up.

Some of the typical procedures that are covered by full coverage dental insurance include basic dental care.  Most policies will cover basic check-ups and cleanings because the insurance company realizes that these procedures may eliminate the need for more expensive procedures in the future. This also covers work that is required to diagnose and prevent problems occurring and most policies will cover some or all of the costs of this.

Most will pay some of the costs of minor dental work and this can include filling cavities, caps and other common procedures. Many of the full coverage policies will pay some of the cost of major dental work and as this is typically the most expensive dental procedures it is important to ensure that your policy includes this.

Most policies will put a cap on the amount they pay for the different major dental procedures although this can help you meet the expense of these and having a policy covering this type of work can be a smart move.

Everyone has to visit the dentist and using full coverage dental insurance to cover the cost of this can be a common sense thing to do. While paying the premiums may seem like an additional expense it can be worth it in the long run and can save you a lot of money on your visits to the dentist.

You can find dental insurance quotes from a number of different comparison sites online.  Make sure that you read all of the fine print to know what’s covered and what’s excluded, and go with a reputable company that you feel is offering you the best dental insurance when you way out the price and benefits.

Can’t afford a dental insurance policy?

According to a CBS report in 2008, more than 100 million Americans are without dental insurance.  If you find yourself in this category and have determined that you can’t afford a policy yourself, you’ll be happy to know that there are free clinics that exist nationwide to provide basic dental coverage for those without any form of insurance policy.  You should be warned, however, that the demand for this form of treatment is overwhelming and you may have a hard time finding a clinic ready and able to provide you with quick treatment due to the high demand.  As a result, preventative care at home that includes regular brushing flossing, and mouthwash can help to minimize instances of dental issues going forward. Don’t forget that what you eat has a big impact on this all too. Foods with sugar and artificial sweeteners will always likely lead to more cavities and the like, as will other foods and liquids high in acidic content.  Here’s a video about these clinics, as it may be of interest to you.

Here’s one more educational video about going about finding the best form of dental insurance, courtesy of eHow:

If you’re looking for more specific information about full coverage dental insurance plans, specialty ones, and general dental treatment and procedures, don’t hesitate to take full advantage of the many additional articles on this site.