How does dental insurance work?
Dental plans, offered by many employers, are a means to help you pay for your dental treatment. Most Canadians enjoy dental plans and the insurance companies that provide them are actually benefit carriers. Carriers reimburse patients based on the level of coverage decided by the patient’s employer. When you visit the dentist, it’s the dentist’s role to make a treatment plan based on your oral health needs. Your needs may be different from what is covered by your dental plan. It is your right to decide whether or not to go ahead with any treatment.
Dental insurance works in much the same way that medical insurance works. For a specific monthly rate (or “premium”), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.
Berofe taking any insurance first you should ask your dentist. Dental insurance help a very important factor to remember regarding any dental insurance plan is that dental insurance is not at all similar to medical insurance. The main thing dental insurance plan are designed with the purpose of only covering the basic dental care.
