Dental insurance is different than other types of insurance. It rarely covers 100% of major dental procedures. In addition, most dental plans have a relatively low maximum yearly benefit. Depending on your plan, your coverage may max out after your insurer pays for $1000 or $1500 of your dental care in a year. Dental insurance is similar to other insurance in that you will likely have to meet an out-of-pocket deductible before your coverage kicks in. That could be something like $50 or as much as hundreds of dollars depending on your plan’s coverage.
Drawbacks aside, dental insurance doesn’t have to be expensive. Many decent plans cost less than $20 a month. Those with dental insurance can find further help in paying for the remaining cost of treatment by using some of the other means covered in this article.
If you have an immediate need for a procedure but don’t already have dental insurance, then an individual policy might not be the best option. Most individual dental insurance policies have waiting periods for different procedures. For example, you may have to wait 6 months from sign-up to be covered for a routine cleaning. Major procedures like root canals or crowns could have waiting periods of a year and a half or more.
For a lot of these reasons we attempt to figure out how to deliver quality dental care at affordable prices.
Novy Scheinfeld, DDS, PC
ZoAnna Scheinfeld, MS, DMD
Hanna Orland, DMD
290 Carpenter Drive, 200A
Sandy Springs, GA 30328
3781 Chamblee Dunwoody Drive
Chamblee, GA 30341