As you are probably aware, medical insurance does not cover the dentist. However, there is dental insurance that can be purchased to help with dental issues, just like medical insurance for medical issues. But do you know what is covered and what is not? When will a policy typically be in force for you when you sign up? What things are not covered, and is there a way to get them covered?
The agents at The Washwick Agency can help you with all of your questions surrounding dental insurance. They will find the right policy for your situation in Riverhead.
What Do Dental Insurance Policies Cover?
You may be surprised at what is and is not covered in a typical dental insurance plan. For most dental insurance plans in Lincoln, preventative care is covered at 100%. These services involve a cleaning, visual inspection by the dentist, plus x-rays annually. Some plans might only cover 60% or more of the cost, but most will cover the full amount.
Restorative care is also covered at a fairly high percentage in most Littleton policies. This includes services like fillings, extractions, and recementing of previous crowns. However, you will need to check your policy as they might only cover silver fillings and not tooth-colored fillings, so you may have a higher amount out of pocket if you choose tooth-colored fillings.
Major restorative services such as root canals, crowns, bridges, and implants are often covered at a 50% rate. While this might not seem like a lot, you’ll be surprised at what your savings will be with this coverage in your policy. So all of these items are usually covered in most dental insurance policies for Bethlehem.
What is not typically covered for Long Island residents are corrective services such as braces. There are policies that are referred to as riders that can cover these issues if you need them, but you may not have need of these services so check your policy to know for sure.
How Long Is the Waiting Period?
For the preventative services, often there is no waiting period, or it is no longer than 30 days. As you get to more and more expensive services, the waiting period could be up to 3 months, and possibly as long as 6 months, depending on the service you are looking for. Additionally, you’ll want to check to see if there are limitations on the number of services allowed per year. For example, a preventative check-up is usually limited to two per year for Jerricho residents.