Dental Insurance

Most dental care coverage places an emphasis on regular preventive care by covering small routine costs. A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem.

By placing an emphasis on prevention, and by covering regular teeth cleaning and check-ups, Americans saved nearly $100 billion in dental care costs during the 1980s.

Dental/vision plans are available in two forms. The traditional "insurance" form provides coverage for individuals, families or groups for basic and major services and are usually accompanied by waiting periods for major work and maximum limits per year. Traditional plans often allow you to visit your choice of Doctor.

The newest form of dental/vision services is the "discounted service" form. Growing in popularity, this form has no waiting periods, no maximum limit and often includes discounts on pharmacy and chiropractic services at no additional cost. A provider listed on the plan must be used. Dental discounts of up to 20-80% are common.

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