Dental Insurance. Simplified.
We’re here to lead you to coverage - from overall health to oral health. That means drilling down to find the best path for your dental insurance solutions. Well, not literally drill. Maybe we should say “focus’ on the best solutions. But someday your teeth may need to be drilled, so Policy Guide can connect you with dental coverage before it’s too late.
Preventative care is an essential part of dental coverage. But accidents also happen. Your child (or you) may take a spill and knock a tooth loose – or out. Maybe you bite into something hard and your tooth cracks. A sore, throbbing mouth needs attention, so being prepared with a dental insurance plan is an essential part of your family’s medical plans.
In addition, oral health is closely tied to your overall health care. Dentists are often the first to detect oral cancer in a patient. Good oral health has also been linked with heart health.
Policy guide experts can help you identify which plans cover the dental services you need. We work with leading dental insurance companies with various coverage options. We look forward to being a partner in your dental care.
Types of Dental Insurance and Dental Plan Options
Dental Care Decisions
Policy Guide will help you sort out all these confusing acronyms. Our experts will take the time to listen and learn about your dental needs. We’ll answer any questions about expenses, such as copayments and other out-of-pocket costs. And, in the end, we’ll point you in the right direction to find the best dental benefits and insurance coverage for your family.
We’ll also provide you with your guide’s contact info, so you can get back in touch when you have more questions about insurance policies or are ready to make a decision.
Other Factors to Consider With Dental Plans
Dental insurance covers preventive care, such as biannual checkups, routine cleanings, X-rays and fluoride treatments. Dental insurance also covers fillings and root canals, which could require a cost-share.
Dental benefits vary when it comes to specialists, such as:
If you have children, braces could be in your future. Straightening teeth can range from $3,000 to as high as $10,000 depending on what type of braces you choose and the orthodontist service fees. Dental coverage that will help shoulder this load is important, especially if you will be paying for braces for several years with multiple kids. And don’t forget the retainer (and lost retainer) when the brace phase is done.
Check to see how a plan handles restorative care like crowns, bridges and dentures.
Wisdom (or other) teeth may need to come out. You may need surgery for receding gums. Maybe you’ll need dental implants someday. You will need an oral surgeon for that. Ask about a plan’s oral surgery component.
Waiting periods are another factor to consider. Some dental insurance requires a waiting period for specific procedures, such as braces. If you know you’ll need immediate care, talk to us about that, too, so we can find a policy that will take that into account.