Maintaining good oral hygiene is essential to your overall health. Dental insurance helps manage the costs associated with this care, so you can prevent problems and address any issues that arise. However, choosing the right plan can be challenging, and it’s common to have questions during the shopping process. Residents of Dumas, TX, turn to C.I.S. - Crop Insurance Solutions, LLC, for help making a wise decision. Below, the team shares answers to a few of the most common inquiries regarding coverage.

FAQ About Dental Insurance 

How Does Dental Insurance Work? 

Dental insurance is similar to a health plan. Every month you pay a premium and, depending on the cost of the dentist visit, you may be responsible for sharing a co-pay amount. You will also have a deductible, which is the amount covered out-of-pocket for services before the insurance company kicks in to handle the rest. 

Does It Cover Cosmetic Dentistry Treatments? 

Typically, dental insurance will cover anything deemed to be preventive or restorative care, such as routine exams, cleanings, x-rays, fillings, extractions, and root canals. Cosmetic dentistry is not usually covered unless there is a medical reason for performing the procedure. Whether a particular treatment is covered is often determined on a case-by-case basis.

What Types of Coverage Are Available? 

There are three basic types of dental coverage, including HMOs, PPOs, and indemnity plans. HMOs offer lower premiums but have a restricted network of dental providers to choose from. PPOs have higher costs but provide more flexibility for where you can get treatment. Indemnity plans are a fee-for-service kind of coverage, where you will have the most freedom in who you see but pay the highest price. 

Can I Buy Dental Insurance Without Having Health Insurance? 

Dental insurance is treated as a stand-alone type of coverage. Therefore, you don’t need health insurance to buy this plan. Further, policies are available for purchase at any time of year from multiple providers. If you have health insurance, you aren’t obligated to get the dental coverage from the same provider. 

Educate yourself on dental insurance to take full advantage of your coverage. The professionals at C.I.S. - Crop Insurance Solutions, LLC, will help you compare plans and prices from high-quality industry providers. They ensure your needs are met, so you may maintain optimal oral health. Call (806) 935-6512 to schedule a meeting, or send a form via their website with any questions.