Dental

“An ounce of prevention is worth a pound of cure.” It’s an old saying that is still applicable today, especially when it comes to dental health. Did you know that dental health is strongly tied to overall health? While not many people love a visit with the dentist, regular checkups and cleanings can prevent costly issues later. That crown or root canal will be a little more comfortable with dental insurance to help with the costs.

A typical plan provides a level of coverage for:

· Preventive care—the exams, cleanings, and X-rays you receive during an average dental checkup—are 100 percent covered. Dentists recommend cleanings twice annually.
· Basic procedures like fillings, extractions, and periodontal work are 70 to 80 percent covered
· Major procedures like crowns, root canals, dentures, bridges, or implants can be covered up to 50 percent. 

Indemnity or fee-for-service plan

This plan allows you to pick a dental provider and your plan pays a percentage of the provider’s fee.
This plan is best if: You have a certain dental provider you want to see, or you anticipate needing major, costly procedures.

PPO or Preferred Provider Organization plans

As with a health insurance PPO, these plans come with a list of dentists that accept the plan. You have the option of going out of network, but your out-of-pocket costs will be higher.
This plan is best if: You don’t need major dental work right away but want to be prepared in case you need it in the future. You’d like some flexibility in your choice of dental providers but don’t want to pay high premiums

DHMO or Dental Health Maintenance Organization plans

Like a health insurance HMO, these plans provide a network of dentists that accept the plan for a set co-pay, or no fee at all. However, you may not be able to see an out-of-network dentist.
This plan is best if: You don’t anticipate needing any major dental procedures soon. You have no provider preferences if basic dental work is covered financially.