My Dental Insurance

Dental Insurance Full Coverage: What Does It Really Mean?

When dental insurance is described as full coverage you might imagine that it protects you from every single cost associated with dental care. Unfortunately this is usually wrong as the term dental insurance full coverage is often referring to the standard dental insurance policy.

Dental insurance full coverage is a contract between you and your insurance company, and in exchange for an annual premium, the insurer will cover you for certain treatments. It is possible that you will obtain dental insurance through your employer, if this is the case your monthly payments will be deducted from your salary.

While dental insurance full coverage is one of the more complete policies it will still have some common exclusions. These will vary between providers but as a general rule you should not expect the following to be covered by your insurance:
• Cosmetic treatments such as whitening or veneers
• Orthodontics
• Pre-existing conditions
• Treatments carried out by a dentist outside the plan

Most dental insurance full coverage policies do provide protection against both minor dental treatments such as routine examinations and cleanings. It is often a requirement of your insurance that you visit the dentist for preventative procedures such as these on a regular basis.

Other procedures such as fillings, x-rays, and root canals will usually be included too, but depending on your policy you may have to pay for some of the cost yourself. This is where the term dental insurance full coverage can become a big vague, as it does not always provide complete cover.

It is important that you gain a good understanding of what your dental insurance policy covers, and don’t assume that full coverage means you won’t have to pay out for any part of your treatment. Full coverage dental insurance is designed to protect you from significant financial loss, and it is an essential part of your medical care, but it often has some exclusions.

You should be able to check the term of dental insurance full coverage before you sign any agreements. Compare dental insurance policies online to get the best possible annual premium.