Full Coverage Dental Insurance

May 8, 2014
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Full coverage dental insurance can be confusing. People tend to think that this insurance term guarantees that they don’t ever have to pay for dental treatments. But this is not always the case since some companies may charge certain fees in order to process your request for coverage.   

Dental insurance is a great way of saving hundreds of dollars in yearly dental treatments and procedures. This is usually offered as a group insurance option for the employed or individual insurance plans.

Full Coverage Dental Insurance

Dental insurance plans just like any type of insurance policy work by charging you premiums (monthly/ yearly) in exchange for coverage. Each plan offers different services which include full coverage dental insurance. The amount covered varies according to the plan or the type of procedure to be performed. Although full coverage dental insurance is not standard among all dental insurance providers it is commonly offered for preventive and basic services.

Full coverage dental insurance depends on two major factors. The dental insurance plan available and the type of dental procedure to be performed. Plans with higher premiums have higher coverage. These are more likely to offer full coverage dental insurance.

Dental insurance does not only provide financial coverage for dental treatments it also aims to promote dental health by making preventive and basic services affordable. This is why full coverage dental insurance is offered for these two services. It helps people reduce the dental costs by reducing the risk for costly dental treatments.

Normally, preventive and basic services receive the most amount of coverage. This is true even for basic dental insurance plans. Even without full coverage dental insurance options, dental insurance gives you great savings on any dental procedure including major services. Preventive services such as regular visits to your dentist are an essential part of oral health. This is the best way of keeping our teeth healthy and avoiding expensive dental treatments down the road.

Full Coverage Dental Insurance and Dental Services

Although full coverage dental insurance may not be available for all dental plans, dental insurance still provides great savings across all dental procedures.  

Diagnostic and Preventive Services

  • Exams, fluoride, cleanings and space maintainers  
  • Emergency pain treatment
  • Brush Biopsy – for detection of oral cancer
  • Sealants for preventing decay of permanent teeth
  • Radiographs and X-rays

*** Full coverage dental insurance available, 80 percent average coverage

Basic Services

  • Minor restorative services – fillings
  • Root canals
  • Treatment for gum disease
  • Partial or complete denture repair

*** Full coverage dental insurance available, 60 percent average coverage

Major Services

  • Crowns
  • Bridge, implants, dentures

*** 50 percent average coverage

The percent of coverage may vary when treatment is performed by a non-network dentist. Dental insurance companies may also have set fees for each treatment which could be different from those charged by non-network dentists. For maximum dental insurance benefits, it is advised that people seek treatment from network-dentists.