Dental Insurance

Taking care of your teeth can be expensive, especially if dental care isn’t included in your health insurance plan. Learn how to pay for dental care and how to evaluate dental insurance policies and discount plans.

Frequently Asked Questions

  • What insurance covers dental implants?

    According to our research, Delta Dental offers one of the best dental plans for implants. Coverage for implants, also called prosthodontics, varies between insurers and dental plans—you’ll need a plan that covers “major procedures” and you’ll need to check coverage specifics and limits. Insurance will usually cover a portion of the expenses related to getting implants but not the entire cost.

  • What does dental insurance cover?

    Dental insurance is broken down into three coverage areas: preventive care, basic procedures, and major procedures. Preventive care is often fully covered with no deductible, while other plan tiers may have both a deductible and coinsurance portion that you’re responsible for. Basic procedures include fillings, tooth extractions, and root canals. Major procedures include crowns, dentures, implants, and surgery.

  • Is a dental discount card or dental insurance better?

    Both dental discount cards and insurance are ways to save on dental services. If you’re comparing plans, which is better largely depends on how good of a dental insurance plan you have access to. You also need to consider how well each addresses your specific needs. For example, if you need major procedures and the dental insurance you can buy provides limited coverage, a discount card could be the better choice.  

  • How do dental savings plans work?

    A dental savings plan, also called a dental discount plan, can help you save money on dental care, but it’s not actually insurance. Instead of an insurance premium, you pay a membership fee and show your card when you go to the dentist to receive discounted rates. You receive the discount at the time of service and there’s no waiting period.

  • How do dental credit cards work?

    A dental credit card is a line of credit you use specifically for dental services. You have to apply and be approved for a card based on your credit history, and your payments (or lack thereof) will be reported to the credit bureaus. Be aware that if you don’t pay off your balance during a deferred interest promotion, the entire amount of interest (calculated on your initial balance) could be added to your current balance.

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