The right dental plan can provide you with peace of mind at a price you can afford. So, as you are looking for dental insurance, it’s important to be aware of what your options are, and how those options vary in terms of what they cover and what they don’t.
Just like you are unique so should be your dental plan. There are quite a few variables that go into the final cost of dental plans. These variables might include your needs, your household, your budget, and where you live.
Every dental plan will have a monthly premium, along with a deductible, which can be an annual deductible or a lifetime deductible, but it is important to understand your options and select the plan
Benafica offers dental plans through many insurance companies, but no company is “better” than the others. Which carrier is best for you and your family depends on your dental needs, your budget, and your preferred dentist. We recommend picking a plan based off your needs rather than by brand name!
It is important to find a dental plan that fits your needs, as the coverage can vary based on the plan you select. For example some plans cover 2 cleanings a year, while other cover up to 4.
Some things to consider as you’re searching for the right plan is what can my plan cover?
You can expect that dental coverage plans will cover the costs of preventive care. However, it is important to keep in mind that dental plans (even within the same carrier) don’t consistently have the same procedures and services listed under the categories of preventive, basic, and major.
Here is a list of preventive care procedures that may be covered.
A variety of policies cover basic procedures, which are more expensive than preventive care trips to the dentist.
Procedures that could be covered?
Oftentimes, anywhere from 70% to 80% of the costs of these procedures will be taken care of by your insurance provider. So you may need to cover some of the cost, but it will still be much more affordable than if you didn’t have any insurance at all.
Major procedures are the priciest, so having the right dental insurance policy can help you rest assured you won’t break the bank to get your oral health back on track.
Procedures that could be covered?
Your dental policy might cover around 50% or less of the cost of a major procedure. But, again, even this amount of coverage is really helpful, especially since these procedures can be expensive.
Note: Different insurance providers might categorize basic and major procedures differently. As an example, you might come across one provider who lists root canals as a basic procedure, while another provider considers it a major procedure. For this reason, it’s wise to carefully read through the fine print of a dental plan before signing on the dotted line.
When it comes to orthodontics, there are plans that include some level of coverage for this category of care. Other plans might only provide coverage if you purchase a rider that adds extra benefits to your policy. What orthodontic services might be covered by dental insurance?
Some dental plans might only include coverage for orthodontic care for children, while others will extend that coverage to adults as well.
Most of the time even full coverage dental plans do not cover the cost of cosmetic dental procedures, such as whitening treatments. However, if a cosmetic procedure is deemed a medically necessary restorative treatment, dental insurance might help cover the cost.
If you need a restorative treatment because of dental disease, tooth decay, tooth loss, or tooth damage that results from an injury or an accident, your insurance plan might help. If you are looking into elective cosmetic procedures, more than likely, they will not be covered by insurance. Again, different plans will offer different amounts of coverage for these types of procedures.
The choice to select a vision plan can feel overwhelming, but rest assured we’re here to help you make the right choice for you. Whether you’re looking for maximum coverage or something more simple to cover the cost of routing eye exams we are here to help. Before selecting a plan there are some things to think about.
Vision plans can start at an affordable monthly fee as low as $7/month along with a copay. The price of additional services, tests, and vision-related expenses may be available at a discounted or pre-fixed rate depending on the coverage you select. Purchasing you dental and vision together could result in an even more affordable plan.
Having Vision coverage can protect you in variety of ways, much like dental it’s important to understand your needs.