Insurance

Whether you are covered by the government or you need to go through a private insurer you have options. We want to make sure you are aware of the options that are available to you because everyone has different needs and those needs will be met by one of the plans. Informing yourself is the first step to ensuring your oral health.

General Dental – this type of dental insurance plan will cover the general services such as cleaning, plaque removal, small fillings and the occasional x-ray. These services are typically done during the regular 6 month checkups. Generally, young individuals or couples would benefit from getting general dental care because they are typically in good health with minimal issues. If you know you won’t be running into any major problems this would be a good choice.

Major Dental – this type of insurance covers big dental procedures such as braces or other orthodontics, crowns, bridges, wisdom teeth removal and the coverage of dentures. If you are older, have a family or young children this type of dental plan would be more advantageous. When you have other people in your family to take care of, especially growing children, there are more uncertainties. You never know when something may come up and children are not always careful, and that could mean accidents which include tooth loss. And as you age, often times dentures are a daunting reality but if you have major dental coverage you have nothing to worry about.

These are the two main types of dental insurance but private health insurance providers will also offer extras what will cover certain situations. It might be smart to take advantage if you know a specific condition or problem is almost guaranteed to happen to you or someone in your family. Extras can range from individual services to having both general and major dental coverage in one policy. There are so many combinations of ways you can protect your oral health, and all are geared towards specific needs. No one will be forced into one kind of insurance or another. The choice is genuinely your own.

To take full advantage of the dental care you are paying for, you should see your dental care professional every 6 months for a cleaning and checkup. Do not skip out on a bi-yearly checkup because you do not think you have a cavity or other problem, you never really know. Problems with our oral care can often show up without symptoms but they are easy to catch onto when you go for yearly cleanings, and once the problem is found it is easily prevented.

Some dentists offer a dental insurance scheme to their patients. In order to qualify for this program your oral health must be up to a certain standard. If you have bad teeth you will not be approved, and the dentists will give you a grade based on your dental health.

Keep in mind that cosmetic procedures that are not medically necessary will not be covered under your insurance. Cosmetic procedures that are not covered would include: Whitening, Veneers, vanity bonding or tooth reshaping. These procedures are only done because the patient has an idea of something “fashionable” in their head and they must pay for the procedure out of pocket. While some may think these are unreasonable, unnecessary and silly, some people genuinely want to get them done. That is fine, but those who are interested should know that the cost will not be covered.

Some funds will provide ‘no GAP’ dental services. This means that those who are eligible will receive free checkups, fluoride treatments and cleanings. Also, some funds allow their members to be priority patients when they visit the dentist, meaning that they get seen before the general public. Contact your health find to find out if you are qualified for these services.

When choosing a dental insurance provider you should think about whether your current dentist is covered under their plan. If you are attached to your dentist, you like the work he does, you feel comfortable in his practice and you just generally like everyone that is employed there you should check if the insurance providers you are looking at will cover the costs under their plan. Too often enough you think you have found the perfect insurance provider but then you learn that the dentist you have been going to for years is not covered under their policy and then it is back to the drawing board. On the other hand, if switching dental care professionals because of the coverage of your new plan is not an issue for you then you will want to choose your insurance provider based upon price and level of coverage.

These are all things that you should think of when you are looking at insurance packages. No two people are alike. Everyone has different wants, needs and situations whether they be financially, medically or socially. So many factors of our daily lives affect the choices we make and sometimes the choice we end up making is not the one we originally planned to. It’s nice to know that you can always make changes to your policy and no matter what you choose, getting insurance means the health of you and the ones you love are always protected; there is no better feeling.

Whether you are covered by the government or you need to go through a private insurer you have options. We want to make sure you are aware of the options that are available to you because everyone has different needs and those needs will be met by one of the plans. Informing yourself is the first step to ensuring your oral health.

General Dental – this type of dental insurance plan will cover the general services such as cleaning, plaque removal, small fillings and the occasional x-ray. These services are typically done during the regular 6 month checkups. Generally, young individuals or couples would benefit from getting general dental care because they are typically in good health with minimal issues. If you know you won’t be running into any major problems this would be a good choice.

Major Dental – this type of insurance covers big dental procedures such as braces or other orthodontics, crowns, bridges, wisdom teeth removal and the coverage of dentures. If you are older, have a family or young children this type of dental plan would be more advantageous. When you have other people in your family to take care of, especially growing children, there are more uncertainties. You never know when something may come up and children are not always careful, and that could mean accidents which include tooth loss. And as you age, often times dentures are a daunting reality but if you have major dental coverage you have nothing to worry about.

These are the two main types of dental insurance but private health insurance providers will also offer extras what will cover certain situations. It might be smart to take advantage if you know a specific condition or problem is almost guaranteed to happen to you or someone in your family. Extras can range from individual services to having both general and major dental coverage in one policy. There are so many combinations of ways you can protect your oral health, and all are geared towards specific needs. No one will be forced into one kind of insurance or another. The choice is genuinely your own.

To take full advantage of the dental care you are paying for, you should see your dental care professional every 6 months for a cleaning and checkup. Do not skip out on a bi-yearly checkup because you do not think you have a cavity or other problem, you never really know. Problems with our oral care can often show up without symptoms but they are easy to catch onto when you go for yearly cleanings, and once the problem is found it is easily prevented.

Some dentists offer a dental insurance scheme to their patients. In order to qualify for this program your oral health must be up to a certain standard. If you have bad teeth you will not be approved, and the dentists will give you a grade based on your dental health.

Keep in mind that cosmetic procedures that are not medically necessary will not be covered under your insurance. Cosmetic procedures that are not covered would include: Whitening, Veneers, vanity bonding or tooth reshaping. These procedures are only done because the patient has an idea of something “fashionable” in their head and they must pay for the procedure out of pocket. While some may think these are unreasonable, unnecessary and silly, some people genuinely want to get them done. That is fine, but those who are interested should know that the cost will not be covered.

Some funds will provide ‘no GAP’ dental services. This means that those who are eligible will receive free checkups, fluoride treatments and cleanings. Also, some funds allow their members to be priority patients when they visit the dentist, meaning that they get seen before the general public. Contact your health find to find out if you are qualified for these services.

When choosing a dental insurance provider you should think about whether your current dentist is covered under their plan. If you are attached to your dentist, you like the work he does, you feel comfortable in his practice and you just generally like everyone that is employed there you should check if the insurance providers you are looking at will cover the costs under their plan. Too often enough you think you have found the perfect insurance provider but then you learn that the dentist you have been going to for years is not covered under their policy and then it is back to the drawing board. On the other hand, if switching dental care professionals because of the coverage of your new plan is not an issue for you then you will want to choose your insurance provider based upon price and level of coverage.

These are all things that you should think of when you are looking at insurance packages. No two people are alike. Everyone has different wants, needs and situations whether they be financially, medically or socially. So many factors of our daily lives affect the choices we make and sometimes the choice we end up making is not the one we originally planned to. It’s nice to know that you can always make changes to your policy and no matter what you choose, getting insurance means the health of you and the ones you love are always protected; there is no better feeling.