- Dental Insurance is a defined benefit plan, where only a certain percentage of treatment is covered.
- Dental insurance benefits differ greatly from traditional medical health insurance benefits and can vary quite a bit from plan to plan.
- Many plans tell their participants that they will be covered “up to 80% or up to 100%,” but do not clearly specify plan schedule, allowance, or annual maximum or limitations.
How does Dental Insurance work?
“So doc, this procedure is covered by my dental insurance, right?” The answer to that question is a definite “Well, maybe…” How does Dental Insurance actually work? The first step happens when your employer consults an insurance provider and they decide which coverage to provide for you as the employee. Every insurance company offers multiple coverage plans based on how much your employer wants to pay. However, this means that select plans may pay more for some procedures like crowns than others. What You Should Know About Dental Insurance: