When an individual or a family enrolls in a dental insurance plan, they typically pay a monthly or annual premium to the insurance provider. In return, the insurance company agrees to cover a portion of the costs for various dental services as outlined in the policy.
Dental insurance plans may vary in coverage, but common services covered by most plans include:
1. Preventive care: Regular dental check-ups, cleanings, and X-rays.
2. Basic procedures: Fillings, simple extractions, and root canals.
3. Major treatments: Crowns, bridges, dentures, and more complex dental procedures.
4. Orthodontics: Braces or other orthodontic treatments for teeth alignment.
The extent of coverage and the out-of-pocket expenses for the insured depend on the specific plan chosen. Some plans may have waiting periods before certain services are covered, and others may have annual maximums that limit the amount of coverage provided in a given year.
It’s essential to review and understand the terms of the dental insurance policy to know which services are covered, the associated costs, and any restrictions or limitations that may apply. Dental insurance can significantly help reduce the financial burden of dental care and encourage individuals to maintain good oral health through regular check-ups and preventive treatments.
National General
NCD partners with great brands, such as Nationwide, MetLife, VSP, and Careington to bring you comprehensive ancillary benefits. We ensure access to providers is easy and plentiful and your experience with your insurance company is seamless. You shouldn’t have to wait long to talk with your insurance company to get your questions answered, which is why the NCD’s white glove service model aims to answer your calls in under 30 seconds and ensure your need is handled right the first time.
Delta Dental
The Delta Dental Plans Association, also known as simply Delta Dental, is an American network of dental insurance companies composed of 39 independent Delta Dental members operating in all 50 states, the District of Columbia and Puerto Rico. These member companies provide coverage to 85 million people, enrolled in over 157,000 groups