Optimal health care involves taking care of your oral health. Receiving regular oral care by a dentist is an important part of most people’s wellness routine.
It may surprise you to learn that many health plans don’t come with coverage for routine dental care. Dentistry is a specialized field of medicine. It often requires different coverage considerations in the eyes of insurers. Insurance companies usually offer dental coverage as a separate type of insurance compared to the average health insurance.
If you have a standard health insurance plan, it may not contain dental coverage. Nonetheless, Americans do have options to get dental insurance through other means.
Adding Dental Insurance to Your Own Health Insurance
Sometimes, health plans cover certain oral care without policyholders adding dental insurance. Yet, this coverage often has to come with a specific need outside the realm of traditional dentistry. For example, policies may cover medically-necessary oral surgery, reconstruction or other specialized procedures.
Other insurers offer coverage for routine dental care as an addition to health insurance. Policyholders may be able to add coverage for routine care to their standard policy. Such coverage may include care like cleanings, x-rays, orthodontia or oral surgery. Adding this coverage may increase the policyholder’s coverage rates. However, such increases may be nominal.
Getting a Separate Dental Insurance Plan
You can often get dental insurance as part of a stand-alone plan. This means the plan is totally separate from your health insurance coverage. Multiple insurance companies offer dental coverage plans. These plans often have no effect on your existing health insurance. Depending on the company from which you buy the policy, you may be able to pay your health and dental insurance premiums together.
Dental Insurance for Children
Oral care is an important part of childhood development. Therefore, children often qualify for special dental insurance coverage separate from adults.
As part of its essential health benefits, the Affordable Care Act requires most private insurance plans to offer pediatric dental services. With this coverage, children under 19 years old can often access cleanings, x-rays and other treatments with full or partial insurance coverage. What coverage plans may offer often varies from plan to plan.
Pediatric dental coverage may not automatically come with the plan. The essential health benefit for pediatric dentistry varies. You often have to indicate that you want to add pediatric dental coverage to your plan when you get this coverage. Some insurance plans may not include them at all. These might include older health insurance plans, or plans offered by certain employers. To see if your child can access dental coverage, check with your insurance provider.
Do you need San Jose dental insurance? Talk to Mitchell & Mitchell Insurance Agency, Inc. today. Call us at (888) 512-8878 for a fast, free insurance quote.