Dental health is an integral part of overall well-being, yet many people are uncertain about how dental insurance works and what it covers. Dental insurance plays a vital role in making preventive and necessary dental care more accessible and affordable. Let's  explore the intricacies of dental insurance, shed light on common terminology, and provide insights to help you make informed decisions about your dental coverage.

Types of Dental Insurance Plans:

Dental insurance plans typically fall into two categories: dental discount plan and preferred provider organization (PPO).

• A PPO dental plan is similar to a health care plan, a dentist that is in network will be paid a portion of the service preformed, there is usually a Premium, Co-pay, Co-Insurance that you will be responsible for paying. A dentist office that is out of network will not accept the insurance and therefore you are responsible for 100% of the costs.
• Dental insurance plans vary in coverage, but most include preventive services for little to no costs (such as cleanings and exams), basic services (like fillings and extractions), and major services (including crowns and root canals). They typically do not pay for cosmetic services, such as teeth whitening.
• Because of this dental insurance is a great supplemental coverage if you've been maintaining your oral heath, if you have a lot of major work to be done (root canal, extractions, bridge, etc) Wilkes Agency recommends you combine your dental insurance with a dental discount plan.
• Dental insurance plans may have limitations on coverage amounts, frequency of services, and waiting periods for certain treatments.

Dental discount plans are kind of like using a deep discount coupon for services at your dentist office.

• Always check if your dentist participates with that discount plan.
• Discounts are set before you go to the office, so you know exactly what you'll owe.
• Dental discounts can be combined with dental insurance so if you need extensive work, it's best to get both to maximize your savings.

When you understand the fundamentals of dental insurance & dental savings options and you know how to navigate coverage options, you can proactively manage their oral health and access the dental care you need. Dental insurance & dental discounts both serve as a valuable tools in promoting preventive care, addressing dental issues promptly, and maintaining a healthy smile for years to come. Contact Wilkes Agency for dental insurance and/or a dental discount program, starting for under $10 a month.