Dental Insurance

Full coverage dental insurance plans are those that help cover the costs of a wide range of dental treatments and procedures including preventive care, basic care, major restorative care, and sometimes, orthodontic treatment. Having a full coverage plan does not necessarily mean your plan will cover 100% of the costs associated with your oral health journey, however.

The number and types of services covered under your dental insurance plan will be dependent on the dental insurance carrier you select and the plan you choose, which could happen to be a PPO, Dental HMO, or other types of dental insurance plan.

 What does a full coverage dental insurance plan cover?

 A full coverage dental insurance plan may provide for the following:

• Preventive dental care – such as regular dental cleanings, routine x-rays, and fluoride treatments.
• Basic restorative care – such as fillings and tooth extractions.
• Major restorative care – such as root canals, bridges, crowns, and dentures.
• Orthodontic treatment – such as braces and other devices designed to align your teeth

But, what likely will not be covered?

• Cosmetic procedures: Coverage for cosmetic dental procedures, like teeth whitening, may not be covered by employer plans. Cosmetic coverage is rarely provided by any type of dental insurance.
• Pre-existing conditions: Some policies will not cover pre-existing conditions, such as missing teeth. If you suffered from a bothersome oral health condition prior to getting your dental insurance plan, you may be required to pay for treatment costs out-of-pocket.
• Select procedures: Some dental insurance plans may not cover select procedures, such as orthodontia.  

In any case, contact an expert at Legacy Financial Group to help get a plan that best fits your needs and budget. Please fill out the insurance form and someone will contact you.