Part 2 of 8: Dental Coverage
What?
Dental Coverage helps policy holders and their families manage and protect their dental health. This coverage is often included in a group benefit plans. Typical group dental coverage provides coverage for basic services can be covered up to 80% and major procedures are usually covered at 50%. Of course all plans vary and many options are available.
Who?
All employees and their dependants.
Where?
Dental plans cover procedures provided by licensed dentists, dental hygienists, denturists and anaesthetist.
When?
A policy will include a breakdown of the options that fall under dental coverage. This list mentions how many cleanings are covered or after what point insurance will cover your claim when applicable deductible have been paid.
Why?
Dental health is very important for overall health. Companies who don’t have dental coverage as part of their group plan should consider adding it.
How?
Dental claims tend to be more predictable versus health care claims. Some companies set up health spending accounts (HSA) which can be used to provide for dental care. With a dentist HSA claims can be paid by the policy holder then submitted to the insurance provider via Internet or mail to be reimbursed. In some cases the insurance companies will pay your dentist directly.
Important to Note:
Some regions have government funded programs focused on children which offer basic dental coverage. Businesses and individuals should check for coverage in their area.