Are you dreading that your next trip to the dentist can simply break the bank? Okay, let me tell you. It will be a whole different story if you have dental coverage. This is especially if you also visit the best dentist Wimbledon, which will guarantee the best deal for your needs. In fact, back in the United States, a single visit to a dentist can cost about $100 to $250, so having dental coverage is an absolutely great idea. But when hunting for the right coverage, be sure to get a dental plan that covers these main categories. What are those? Read on to find out.
Preventive Care
In most dental plans, preventive care is usually the most covered. This includes regular check-ups and cleanings as well as X-rays. So when you go for your regular biannual visit, you should expect that most of the cost will be taken care of by your plan. Things like sealants and fluoride treatments may also be covered.
In addition, according to the 100-80-50 approach to coverage, you have zero dollars to pay as the whole 100% cost are covered. What a day to be alive and to visit your dentist, right?
Basic Care
Preventive care wouldn’t do so much if you don’t get the basic care afterward. Basic care involves treatments necessary to keep your teeth and mouth healthy, such as root canals, fillings, and extractions. This type of care also covers emergency services like repairs for broken or chipped teeth caused by an accident or injury. Your plan’s coverage is generally around 80% of the total cost, so you still need to pay for the remaining 20%. But still, it’s a great relief that you don’t need to come up with the full cost.
Major Care
The major care category, on the other hand, covers procedures such as crowns, bridges, and dentures. It also includes orthodontics like braces and other treatments needed to address serious oral health conditions. Dentists usually recommend major care treatments in cases where the basic care services are no longer enough. Unfortunately, these types of treatments are usually expensive, and only 50% of the cost is covered by most plans.
Orthodontics
But what about if you need to get your teeth aligned or straightened for a better smile? Unfortunately, just like cosmetic dental services, this special care isn’t included in the standard dental coverage. Orthodontics is a type of major care that requires you to pay the full cost unless your plan has a special provision for it. So if this is what you need, make sure that your plan includes orthodontics so you can save some money down the road.
Your dental coverage can be a true lifesaver — if you know what it covers. With the four main categories of coverage, you now have a better idea of what to expect from your plan’s coverage and how much out-of-pocket amount you need to prepare for each visit. So put this insight into your consideration when looking for a dental plan that best fits your needs. Make sure that you choose wisely.