The coverage provided by dental insurance varies widely between plans. In most cases, your employer will offer one or more plans. The contract established between your employer and insurance provider determines the type of coverage available to you. Dental insurance can be incredibly complex. Figuring out what your insurance plan actually covers can seem overwhelming and is often frustrating, but most dental offices are happy to help you fully understand your coverage.

There are many providers of dental insurance, all of which offer different levels of coverage. Some of the dental insurance plans on the market include:

• Delta Dental®
• Aetna™
• Guardian™
• Humana
• MetLife®
• CIGNA Dental
• Medicare
• Medicare Medical
• Medicare Supplement
• Medicare PPO
• Blue Cross/Blue Shield
• Principle

Ask your dentist which insurance providers they accept.

By purchasing a dental insurance plan, you enter into a contract with the company. They agree to pay certain amounts for certain procedures and you assume responsibility for what they do not cover. Generally, the terms of your coverage are spelled out in the contract. Different plans approach coverage in different ways. Some require you to reach a deductible before paying anything, while others pay a percentage immediately. Understanding the different terms associated with your insurance plan can help you figure out your coverage.

Some swelling and minor bleeding is normal after a dental procedure. However, if these conditions persist, you should contact your dentist.

If you are confused about your coverage, you can ask the staff at your dentist’s office to help you or call your insurance provider directly. You can also ask your provider for an Explanation of Benefits (EOB) which lists the procedures your plan does and does not cover.

When deciding whether to undergo a certain dental treatment, it is important to consider more than your insurance coverage. The least expensive treatment option may not be the right one for you. Be sure to discuss all aspects of your coverage and treatment plan with your dentist before making a decision.

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