We already know that dental insurance plans cover us in the case of expensive dental procedures, surgeries, and emergencies.
These can help save us lots of money.
These are plans everyone should have, even the healthiest person.
After all, nobody knows when an oral-related problem or emergency is to occur.
It could happen to anyone.
With high dental costs, it’s important to take advantage of insurance.
However, what some of us don’t know is that there are also supplemental dental insurance plans, as we’re soon to discuss.
So, what are supplemental dental insurance plans? How do they differ from general dental insurance plans?
To understand supplemental dental insurance plans, it’s important to know what dental insurance plans are. Most of us are aware that dental insurance plans typically only provide dental coverage for certain dental procedures.
Things usually covered include tooth fillings, wisdom tooth removal, and dental implant surgery. Plans don’t and won’t cover every dental cost, unfortunately. Each plan has its own individual dental coverage, costs, coverage limit, and other perks.
There comes a time where you’ll want coverage for things your dental insurance plan doesn’t cover. You can do this without changing your dental insurance plan! That’s when supplemental dental plans come into play.
Supplemental plans enhance your dental coverage, adding coverage for other dental procedures you weren’t covered for before. These allow you coverage for more procedures. For example, if your dental insurance plan doesn’t offer coverage for cosmetic dental procedures, it’s likely you could find a supplemental dental plan for these types of procedures.
What’s so great about supplemental insurance?
Supplemental insurance is great as one can save money for additional procedures. This also means that your dental insurance plan can become versatile along with your changing dental needs over time.
Supplemental plans mostly make your dental insurance plan more personalized to you and your (and your family’s) needs. This is important since that “perfect” dental insurance plan is hard to find with each need you desire.
Supplemental dental insurance plans can usually be added to both individual and family plans. However, different insurance companies have different offerings.
For instance, some of them only offer individual supplemental plans. Looking at different companies is important to ensure they offer the supplemental plan you desire and would benefit best from. You can also add a supplemental plan to your Medicare plan if you qualify for Medicare.
The point is, if your current dental insurance isn’t giving you all of your needs, it may just be time to add a supplemental dental plan, not change your plan altogether!