To be qualified for Medicare, you or your partner had to work for at least ten years in a Medicare-covered industry. You also have to be at least sixty-five years old and have permanent resident status or be a United States citizen.

Proper dental care is a crucial element of a good quality of life. Like with all insurance-related decisions, there are several aspects that you will have to consider when choosing a coverage plan for yourself, your employees, or relatives. Plus, there are numerous plans to take into account, such as PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.

Dental coverage can really help you guarantee the health of your gums and teeth. Paying the full brunt of the price of dental care is extremely difficult. And without dental insurance, you might be inclined to avoid check-ups & cleanings, a choice which could result in serious health issues down the road.

Picture of a dentist attending a young patient
A dentist wearing a mask attending a patients needs

Much like medical insurance plans, dental insurance policies are usually categorized into managed care plans and indemnity with out-of-pocket costs, dental care providers’ options, and the order in which any bills are paid being the main differences.

Indemnity coverage generally comes with a broader selection of care providers in comparison to managed-care policies. With an indemnity policy, the carrier pays for covered services after it gets a bill. That means you might only get reimbursement from your insurance carrier after you paid for everything yourself. Managed-care policies, on the other hand, maintain their very dental provider networks. That allows doctors participating in a system to provide care to individuals at pre-negotiated rates. That also means that they will usually submit the claim to the dental insurance company for you.

Preventive and diagnostic dental care

Almost all dental plans and dental insurance policies cover basic dental costs that are meant to prevent dental problems. For the policyholder that means, most plans covers a large part or all the dental costs associated with basic services such as cleaning, checkups, and other dental procedures meant to prevent tooth and gum disease. This coverage is important because it encourages people to seek regular dental care, which can prevent more complicated and costly problems.

Basic dental care and dental procedures

Most dental plans and dental insurance also cover basic dental procedures such as fillings, tooth extractions, fixing chipped teeth, and other such basic procedures. However, basic dental care varies from one provider to another. In general, since providers cover a significant portion of basic dental care, it makes sense to select a dental care insurance provider that covers as many dental care basics and procedures as possible.

Major dental care

While not all dental insurance plans cover major dental care, some do cover at least a portion of these costs. Major dental care can include procedures such as dental surgery, orthodontics, denture work, and other large, expensive dental procedures. If you will require major dental care at some point in the future you may wish to look for a provider willing to pay for as large a percentage of this type of care as possible.

This is a brief overview of the coverage that can be included in a Dental Insurance policy. You should read a policy thoroughly before purchasing any insurance policy.