CONSULATE
Consulate Dental Plans – Is Everything Covered by Dental Insurance?
The term “Full Coverage” can often be miss leading, due to people individual understanding of what “Full Coverage” would mean to them.
For some people full coverage means a dental insurance plan that covers all basics, such a routine checkups, cleaning and X-rays. Since those types of dental care services are typically classified under preventive dental care most dental insurance plans do provide preventive care benefits at little to no cost to their insureds.
Where as other people may expect a full coverage plan to provide little to no cost for any dental care service they may need or want. Yet often times that is not the case. Most dental insurance plans do offer benefits for larger dental care needs, that will typically help make having dental care for filling, extraction, root canals, crowns and treatment of gum disease etc. much more affordable, you may still need to budget for the cost of having those type of dental services render.
Also there are dental services that typically not covered, such as dental implants or adult braces. This is not to say all insurance plans do not cover such dental care needs, only that many don’t and therefore it is important to review each plans terms and conditions to fully understand what is and what is not covered. So when seeing or hearing terms such as “Full Coverage” make sure you read or ask what that really means to you and carefully go over benefits and your costs, so there is no surprises in the end.