Supplemental Dental Coverage

guide to chosing a good supplemental dental plan

Supplemental dental insurance is a good idea if you:

• Have a lot of dental needs - If have have a history of needing a lot of dental care or already know of work that is needed, extra insurance might be a good idea.

• Don't have group dental insurance provided by your employer. If benefits get cut, dental insurance can be one of the first to go.
• Have very minimal dental coverage - You may not have adequate coverage. You could go with very minimal or no dental insurance depending on your situation. If you know you would use dental insurance and recover the cost of the premiums or hate the thought of costly dental "surprises" that could come your way, a supplemental plan is a good idea.

Supplemental dental insurance for individuals can be any type of insurance for dental care. As with any plan, be sure to read the fine print. Some things to look for:

• Waiting period - Many dental plans have a waiting period for major work like crowns or bridges. Be sure to find out how long you have to wait before having major work done.
• Exclusions - It's good to know what will not be covered. Some common exclusions are occlusal guards, orthodontic treatment, bonding, veneers and most cosmetic procedures.
• Yearly maximum - Most plans have a yearly maximum. Good to know if you are planning to have major work done. Deductible - What is the annual deductible and is it per person or per family. Does the deductible apply to yearly cleanings and check ups?
• Basic treatment - how much do they cover of basic dental care. Basic dental procedures are the least expensive and such as fillings.
• Major treatment - Major treatment is usually covered at a lower percentage than basic and includes crowns and bridges.
• Does your dentist accept it - If you love your dentist and don't want to change, be sure the plan you are considering will be accepted.

Additional articles on dental insurance

• Dental Indemnity Insurance



• PPO Dental Insurance


• Full Coverage Dental, the Best Choice For Families


• Dental Discount Plan

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