Dental Insurance
Dental insurance can be one of the most essential parts of your personal insurance portfolio. These policies may play a significant role in ensuring you and your family are able to access the oral health care services needed to maintain the health of your teeth, mouth and gums. At Ashley Taylor Insurance, we can help you understand your coverage options and secure a policy suitable to your needs.
What Is Dental Insurance?
Dental insurance policies establish legal agreements between you and your insurance company. In exchange for regular (e.g., monthly) premiums, your carrier agrees to help pay for various dental health services and products in accordance with the details of your policy. Like vision coverage, dental insurance plans are typically separate from general health insurance, meaning you will need a separate policy to ensure access to many services and facilities. You can build a versatile coverage portfolio by combining appropriate health and dental insurance to maintain your overall well-being.
How Much Is Dental Insurance?
Dental insurance costs may vary significantly depending on your unique circumstances. To understand your costs, familiarize yourself with the following terms:
- Premiums are the amount you pay regularly to maintain your coverage.
- Deductibles establish a minimum amount you must pay out of pocket in a given plan year before your insurance can offer aid for certain services, as described in your policy.
- Copayments are flat fees for specific dental health services, such as X-rays and cleanings.
- Coinsurance functions similarly to copayments but establishes a percentage of total costs you are responsible for rather than flat fees.
The type of dental plan you select directly impacts your costs. For example, full coverage dental insurance typically encompasses a broad range of services or procedures and may, therefore, incur higher rates.
Is Dental Insurance Important?
Your oral health plays an integral role in your overall wellness. Aside from the clear benefits of accessing care for your teeth, mouth and gums, having appropriate dental insurance may help detect other ailments and conditions that could affect different parts of your body. Regardless of how dedicated you may be to good oral hygiene and habits, dental health issues may be inevitable, and lacking appropriate coverage could incur catastrophic out-of-pocket costs or even keep you from accessing the care you need.
We’re Here to Help
At Ashley Taylor Insurance, we are well-versed in the world of dental coverage. Our dedicated team will help you explore all available coverage options, including Medicare dental plans, which may be an attractive dental insurance choice for seniors and other qualifying individuals. Contact us today to learn more.