What You Need To Know About Dental Insurance Coverage

Culver City Dental Insurance CoverageDental insurance is an important insurance policy that far too many go without. Without preventative dental care, you risk a long line of health issues down the road. When obtaining dental insurance, rest assure that your mouth and gums will be sparkly white and ready to impress. However, dental insurance can be confusing if you don’t take the time to understand your policy. Below is a gathered list of the must-know information about dental insurance:

  • When obtaining dental insurance after years of visiting the same dentist, you may be forced to switch. You can only receive dental coverage through a participating dentist of the network of your particular dental plan. When choosing to work with a dentist outside of your coverage network, you run the risk of paying all expenses out of pocket.
  • If you’re receiving benefits from multiple group dental plans, such as one with your employer, your benefits cannot exceed 100% of the dental expenses.
  • Each dental plan varies tremendously. Therefore, you must read your plan to make sure that you fully understand your deductible, co-pay, premium, limitations, exclusions, maximum, etc. For example, if you have a co-pay of $20, you will be required to pay that amount before leaving your dentist visit.
  • It’s important to note that under Obamacare, dental coverage is categorized as an essential health benefit for children under 18 years old. Therefore, children must either have a separate dental plan, or receive dental coverage through their standard health insurance policy.

We’ve been providing California residents with unparalleled insurance services since 1953 and can provide your family with the protection you all deserve. Contact ISU Wissink Insurance in Culver City for all of your California dental insurance needs. For any remaining questions regarding dental coverage, allow us to help!