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Dental Insurance

There are 4 major categories of dental insurance from which to choose from:

Dental HMOs
Indemnity Plans
Preferred Provider Organizations
Discount Dental Plans

It is a common misconception that health insurance provides coverage for oral health care. Whilst it is true that some health insurance policies allow for the inclusion of oral health coverage at a higher premium, the fact of the matter is that health insurance and dental insurance are two wholly independent industries.

The cost of oral health care is dependent on the amount of coverage you desire and the amount of oral care you require. If you select a basic discount dental plan and simply require 2 routine check-ups in a year, then you could end up paying as little as $90 - $100 / yr. If you have a large family or have persistent oral health issues like root canals or tooth extractions, etc., you will find that your yearly costs are going to be much higher. The best way to save money on your dental care coverage is to shop around so as to find the best available prices and benefits.

Dental insurance plans provide coverage for:

Routine Care (Check-ups)
Dentures / Dental Implants
Gum Disease / Gingivitis
Tooth Removal (Including Wisdom Teeth Extraction)
Root Canals
Crowns
X-Rays
Cavities