As you start taking steps towards getting the best care you can for your oral care, you may wish to purchase dental insurance. Having dental insurance can reduce the cost of routine dental work and keep your finances safe from costly setbacks because of dental emergencies.
What Is Dental Insurance?
Dental insurance often works similarly to health insurance. You’ll cover costs either in their entirety or until a certain threshold, or “deductible,” is met. After the deductible is reached, the insurance will cover 100% of services covered by its policies. Dental insurance often only covers preventative dentistry and restorative dentistry.
What Should You Look for in Insurance?
Some of the best dental insurance plans follow a benefits schedule that covers 100% of preventative care, 80% of basic procedures, and 50% of major procedures.
Preventative Care
These are your routine exams and cleanings, as well as their accompanying X-rays. Preventative care seeks to catch signs of tooth decay and gum disease early, so they don’t develop into problems later.
Basic Procedures
These are common oral treatments and procedures usually needed to restore the function of teeth or treat infections. Extractions, fillings, root canals, and gum disease treatments fall into this category.
Major Procedures
These are conditions that often require rare or invasive procedures like bridges, inlays, and dentures to address. These types of procedures often require a waiting period before insurance covers them, regardless of their necessity.
Best Options in Texas
We’ve compiled some of the best dental insurance options available to Texans based on the criteria we covered throughout this blog post.
- Aetna
- Ameritas
- Blue Cross Blue Shield of Texas
- Cigna
- Coresource
- Delta Dental
- Dental Select
- Dentemax
- GEHA
- Guardian
- Humana
- Met Life
- United Concordia
- United Health Care
Affordable Dentistry in College Station, Texas!
We want all our patients to have access to the care they need. Even if you don’t have insurance, Hooks Family Dentistry offers in-house financing for qualifying treatments. Call us today to schedule your appointment!
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