Having dental insurance in addition to your general health insurance plan can be a very smart way to maximize your investment in family health policies.

It is very common to be affected by dental problems, which can have very high costs, therefore, we will now go into the approach of having an independent dental insurance for you and your entire family group.

What can a dental insurance cover?

There are a variety of dental insurance policies that cover expenses for preventive care, routine visits, dental cleanings, and adjustments, as well as x-rays.

Likewise, some dental insurance companies offer basic dental restoration services, such as implants, orthodontics, and endodontics, with coverage for these treatments at the cost of a higher annual premium.

Different dental plans according to the client's requirements

The Premium independent integral plans offer practically total coverage for any dental event or affectation you may have, however, it is necessary to evaluate the cost differential that you may have in comparison to a standard dental insurance.

Among the treatments to be covered, we can name dental crowns, root canals, surgical dentistry, prostheses, dental braces, brackets, dental implants, and others.

It is necessary to take into account that some of these dental procedures will have in the clauses of the contract, waiting periods, which lead to not having the coverage insured immediately.

What is the average cost of dental insurance?

The rates vary according to several variables, such as coverage offered, shortening or not of waiting periods, the maximum amount to be covered per case, and the state where you live and are treated, among others.

For the final decision to hire an independent dental health policy, you must have good advice from a serious insurance company or a group of professional and honest advisors, who will offer you the best options according to your needs and economic resources.

Most common insurance terms

• Insured: The person who owns the insurable interest whose patrimony is being protected, in favor of a family member or designated person.
• Insurer: Companies or institutions authorized by law to provide insurance services to individuals, family groups, or companies.
• Deductible: The percentage or fraction of the amount to be paid before insurance coverage begins.
• Co-payment: What you pay for each visit to the dentist, in this case.
• Coinsurance: Percentage or fraction of costs you pay once the deductible is met.
• Premium: The monthly, semi-annual, or annual premium to be paid for the insurance contract.
• Beneficiary: Beneficiary is the person entitled to an indemnity in the event of a loss. The insured may be different from the beneficiary.
• Maximum annual amount: The maximum amount your plan pays for coverage during the plan year.

Classification of dental plans

Although each plan itself has many variations according to its characteristics, in general, we can classify them into two main types

1. A medical plan that includes dental benefits, which is practical, but may have coverage limitations.
2. A stand-alone dental insurance plan offers greater flexibility and more coverage options.

In the big picture, a stand-alone dental plan is going to offer better coverage and more cases it can handle. Perhaps one of the best benefits of a stand-alone dental plan is the elimination of most waiting periods.