When it comes to dental care, there are a variety of insurance plans available to cover the costs. Most dental insurance plans provide coverage for preventive care, such as routine exams, cleanings, and x-rays. Some may also offer coverage for certain basic restoration services, such as fillings, but you pay more out of pocket. You don't need to choose a primary care dentist and you may not need referrals to see specialists or get emergency dental care, depending on the plan.
Cosmetic procedures are generally not covered by dental insurance. If you have two dental benefit plans, it is important to inform your main plan administrator or company about your dual coverage status. The administrator can determine your eligibility, the eligibility period, the services covered, your co-pay and the maximum limit. It is essential to have a plan that covers some of the costs of treating gum disease, dentures, crowns and implants. Most dental insurance plans will pay a percentage of the cost of major restorative care, but that percentage will typically be less than what goes to a basic service. Orthodontics is a specific type of dental service that helps correct or readjust the alignment of the teeth. Understanding the main differences between types of dental insurance can help you choose the plan that's right for you.
Virginia dental insurance plans typically cover preventive exams, routine dental cleaning, fillings, and x-rays. When selecting a dental insurance plan in Virginia, it is important to compare the level of coverage so that you can anticipate potential out-of-pocket costs. This means that they cover preventive care at 100%, basic procedures at 80% and the main procedures at 50%, or a larger co-pay.
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