What Is Full Coverage Dental Insurance?

Working like medical insurance, dental insurance provides its recipient with the means to maintain healthy teeth and gums. The services covered by full dental insurance include cleanings to minimize tooth decay as well as surgical procedures such as tooth extractions or root canals and orthodontic services.

Types

• The services you are eligible to receive will depend on if you have discounted, basic or full dental coverage. The difference lies in that discounted dental insurance is geared to saving the patient money, allowing services at a discounted rate. Basic dental covers basic mouth health needs at a fixed co-pay. Full dental coverage takes care of basic dental needs such as cleaning and X-rays plus a scope of other services indicated by the insurer at a minimal co-pay.

Function

• Twice a year cleanings can save your teeth from serious problems that require fillings, root canals and even extractions. If you have full coverage, you will likely have coverage for basic care needs, but never make assumptions about what is included in your policy. The extent of coverage can vary widely.

Benefits

• Most policies will cover checkups and cleanings, because the insurance company realizes that these procedures may eliminate the need for more expensive procedures in the future.

Considerations

• Full dental coverage insurance covers little or no cosmetic dental procedures. Orthodontic services require a co-payment.

Helpful Tip

• Request a list of your eligible services from your dental insurance carrier. The list details the services and their cost, if any.