<b>Dental Insurance </b> Dental insurance refers to the cost which one has to bear in order to cover one’s dental expenses. The National Association of Dental Plans states that 46% of Americans do not own dental insurance.
Dental insurance covers all or some of the dental expenses for which one is required to pay a premium to the insurance provider. Dental insurance can be for an individual, a group or company and also for a family.
Group dental insurance is usually done by an employer for the employees. The cost of this is deducted from the employees' salary.
Dental Insurance: Types of Plans
There are basically two types of dental insurance plans:
# Preferred Provider Organization (PPO)
# Dental Health Maintenance Organization (DHMO)
Both these categories of dental insurance have their own benefits and drawbacks.
Dental Insurance: Coverage
Dental insurance generally covers the following, although the coverage may differ from one insurance provider to the other:
# Dental insurance covers dental cleaning for removing plaque and tartar by a professional, which may be needed from time to time.
# Dental insurance may also include extraction of teeth, needing surgery which can be included in non-cosmetic surgery.
# Dental x-ray is also covered by dental insurance . Taking a dental x-ray is important because it shows the exact condition of dentition.
# A person suffering from cavities and chippings can get fillings done. This is also covered by dental insurance.
# Dental insurance also covers situations needing urgent dental attention in case of an injury or accident. The emergency may include tooth replacement or dental surgery.