Covered California
Certified Agent

How Does Dental Insurance Work and Why Is It Worth Getting?

Did you know over a quarter of adults in the US have untreated tooth decay? 46% of adults over the age of 30 display symptoms of gum disease and dental disease is the most common chronic illness affecting children across the country.

These statistics might alarm you at first, but we’re here to assure you the situation isn’t nearly as bleak as it looks. We’re fortunate to have more than 200,000 practicing dentists ready to safeguard your dental health—all you’ve got to do is take out a solid dental insurance plan.

We understand many people struggle to find affordable dental insurance services. Some of you might not know how it works or why it’s worthwhile. If any of this sounds familiar, we’re here to lift your spirits by breaking down how dental insurance works and why it’s worth getting.

How Dental Insurance Works


Understanding Dental Insurance Subscriptions

One of the best ways to understand dental insurance is to think of it as a health subscription. All you’ve got to do is pay dental insurance services a fixed amount every month (known as a ‘premium’) and you’ll be given easy access to dental services.

If you’re on an individual dental insurance plan, you’ll be required to pay premiums to the insurance provider directly. On the other hand, if you’re receiving dental coverage as part of a group insurance plan, your employer will either deduct the premiums from your salary each month or cover it as a job perk.

Which Dentists Can You See?

Dental insurance services typically ask their customers to select one dentist whom they’ll see most often (also known as a ‘preferred provider’). Some insurance plans also require you to see dentists within a specific network. This might seem a bit restrictive, but it depends on what kind of plan you opt for. That’s why we recommend discussing the kind of plan you want with a seasoned insurance agent before deciding on a dental insurance provider.

How Do Coverage Terms Work?

The extent of coverage you get when you take out dental insurance depends on the plan. Some plans offer complimentary consultations and basic cleanings every year while others cover treatments for more serious issues.

If you find yourself struggling to understand the coverage terms of various dental insurance plans on the market, get in touch with an insurance agency. They’ll simplify things by letting you know what kind of coverage each plan offers in layman’s terms.

What Are Deductibles & How Do You Balance Them With Premiums?

If you’re on a dental insurance plan, the insurance provider will pay a portion of the cost of seeing a dentist and you’ll be required to cover the remaining. This remainder is known as a ‘deductible.’ Typically, the higher your monthly dental insurance premiums are, the lower your out-of-pocket costs will be.

People who require frequent trips to the dentist tend to take out plans with higher premiums because they end up paying less out-of-pocket for each trip. We recommend sitting with an insurance agent who’s dedicated to ensuring you receive excellent value so you can strike a solid balance between your deductibles and premiums according to your unique dental needs.

Here’s Why Getting Dental Insurance is Worth It

A dentist cleaning a woman’s teeth using a dental drill

We believe everyone has the right to a brilliant smile—and that starts with preventative care. Dental insurance plans are ideal in that regard because they allow people to visit the dentist routinely and keep their teeth and gums healthy.

Moreover, dental insurance can help you save money in the long run provided you select a plan that works for you after consulting a reputable insurance agent. Many dental plans cover trips to the dentist at no additional cost and you’re always assured of easy access to high-quality services in case you suffer a dental emergency.

Lastly, dental insurance plans provide you with peace of mind so you can live your life to the fullest. Once you’ve taken out dental insurance, the days of second-guessing what you can eat will be over. You won’t stress out about what you’ll do in case your gums bleed or your tooth aches because you’ll know you’ve got access to quality dental care if you ever need it.

Covered California Certified Agent Walks Clients Through the Process of Selecting Affordable, High-quality Dental Insurance Plans

Ready to consult a reputable insurance agency in California about taking out a dental insurance plan that works for you? It’s time to contact Covered California Certified Agent.

Our expert insurance agents have guided countless clients through the process of obtaining dental insurance in California. We strive to provide excellent value and take the stress out of purchasing health insurance plans. We also provide comprehensive advice on group insurance to help businesses as well as individual health insurance for individuals looking for holistic healthcare solutions.

Dial 800-771-7653 now and let one of our experienced insurance agents help you find insurance plans that’ll help you live your life to the fullest.