Many Americans are unable to afford the high cost of dental care, even with insurance coverage. The out-of-pocket expenses for complex dental procedures can be overwhelming, which is why additional dental insurance is becoming increasingly popular.
What is Additional Dental Insurance?
Additional dental insurance, also known as supplemental or secondary dental insurance, provides extra coverage for dental procedures that are not fully covered by a primary dental insurance plan. It works alongside your primary dental insurance plan to help alleviate some of the cost of your dental care.
The additional coverage can vary depending on the plan, but common benefits include:
Benefit |
Description |
Preventive services |
Coverage for routine cleanings, X-rays, and fluoride treatments. |
Restorative services |
Coverage for fillings, crowns, and bridges. |
Orthodontics |
Coverage for braces, retainers, and other orthodontic treatments. |
Specialty services |
Coverage for dental implants, dentures, and other complex procedures. |
Emergency services |
Coverage for unexpected dental emergencies such as tooth fractures or abscesses. |
Why Do You Need Additional Dental Insurance?
There are several reasons why you may need additional dental insurance, including:
You Have a High Risk of Dental Problems
If you have a history of dental issues or are prone to dental problems, additional dental insurance can be a great way to protect your smile and your wallet. It can help ease the financial burden of unexpected dental procedures and give you peace of mind knowing that you have extra coverage in case of emergencies.
Your Primary Dental Insurance Plan Has Limited Coverage
If your primary dental insurance plan has limited coverage for certain procedures or services, additional dental insurance can help fill in the gaps. It can provide coverage for services that are not covered by your primary plan, such as orthodontics or specialty services.
You Want to Save Money on Dental Care
If you are looking for ways to save money on your dental care, additional dental insurance can be a cost-effective option. It can help lower your out-of-pocket expenses for routine and complex dental procedures, making it easier to maintain your oral health.
How to Choose the Right Additional Dental Insurance Plan
Choosing the right additional dental insurance plan can be a daunting task. Here are some tips to help you make the best choice:
Compare Plans
Compare the benefits and costs of different plans to determine which one is the best fit for your needs and budget. Make sure to read the fine print and understand what is covered under each plan.
Consider Your Dental Needs
Consider your dental history and any ongoing dental issues when choosing a plan. If you are prone to dental problems or have a history of dental issues, opt for a plan that provides more comprehensive coverage.
Check Provider Networks
Make sure the plan you choose has a provider network that includes your current dentist or a dental provider in your area. This will ensure that you can continue to receive care from your preferred provider.
Read Reviews
Read reviews of the plans you are considering to get a better understanding of their customer service, claims process, and overall satisfaction ratings. This will help you make an informed decision.
FAQs
What is the difference between primary and additional dental insurance?
Primary dental insurance is the insurance plan that covers most of your routine dental care, such as cleanings and fillings. Additional dental insurance, also known as supplemental or secondary dental insurance, provides extra coverage for procedures that are not fully covered by your primary dental insurance plan.
Is additional dental insurance worth it?
Additional dental insurance can be worth it if you have a high risk of dental problems, your primary dental insurance plan has limited coverage, or you want to save money on your dental care. It can provide extra coverage for routine and complex dental procedures and help lower your out-of-pocket expenses.
How much does additional dental insurance cost?
The cost of additional dental insurance varies depending on the plan and the coverage it provides. On average, additional dental insurance can cost anywhere from $10 to $50 per month.
What services are covered by additional dental insurance?
The services covered by additional dental insurance can vary depending on the plan. Common benefits include preventive services, restorative services, orthodontics, specialty services, and emergency services.
Can I use additional dental insurance with my primary dental insurance?
Yes, additional dental insurance works alongside your primary dental insurance plan to help cover the cost of dental procedures that are not fully covered by your primary plan.
The Bottom Line
Additional dental insurance can be a great way to protect your smile and your wallet. It can provide extra coverage for routine and complex dental procedures, lower your out-of-pocket expenses, and give you peace of mind knowing that you have extra coverage in case of emergencies. Make sure to do your research and choose a plan that fits your needs and budget.
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