Key takeaways about what you should know about your first dental insurance plan:
- Your first dental insurance plan helps you build lifelong habits, maintain oral health, and prevent serious issues before they start.
- From fully covered preventive care to reduced costs for common procedures, dental insurance helps you manage expenses and avoid financial surprises.
- Not all treatments are covered, and not all dentists accept every plan. Knowing the details helps you make the most of your benefits.
Part of adulthood is accepting responsibility for making important decisions about your health. Deciding to enroll in a dental insurance plan is a vital step in taking care of your oral health.
Once you have chosen and enrolled in your first dental insurance plan, it’s time to make a timeline to ensure that you are on the right path to take full advantage of your benefits.
Why your first dental insurance plan matters
The first step in embracing your first dental insurance plan is to recognize its value. Dental insurance plays a key role in maintaining oral health and supporting overall well-being. In fact, according to the U.S. Department of Health and Human Services:
- People with dental insurance are more likely to receive regular oral health care.
- Preventive dental visits can help with the detection of oral health diseases, injuries, and nutrition-related problems early.
- Poor oral health is associated with a range of other health issues.
So, even if you have great oral health now, using your first dental insurance plan to maintain regular dental check-ups will help prevent any serious problems from happening in the future.
Your first dental insurance plan helps save you money
The best way to get the full value out of your first dental insurance plan is to take advantage of all of its benefits. Dental insurance helps you save money by covering preventive care, such as cleanings, exams, and x-rays. Most plans fully cover these services, which are designed to help detect any issues early and potentially prevent costly treatments in the future.
Pro tip: It’s important to note that these benefits cannot be taken advantage of if you don’t go to your dental check-ups. Be sure to schedule and go to your appointments!
Your first dental insurance plan will also help reduce the cost of common procedures you may need, such as a filling or extraction. These treatments can cost hundreds of dollars without insurance, which can be a strain on your wallet. Dental insurance typically covers between 50 to 80 percent of the cost, depending on your plan.
Because dental plans help limit out-of-pocket expenses, they also make budgeting easier. By becoming familiar with your deductibles, copays, and annual maximums, you can better predict and manage your dental spending.
Your first dental insurance plan doesn’t cover everything
A common misconception about dental insurance is that it will fully or partially cover all dental treatments. Like health insurance, most dental plans don’t cover procedures that are considered cosmetic or aren’t deemed medically necessary.
Pro tip: It’s a good idea to review your first dental insurance plan’s coverage carefully because some plans may offer partial coverage for cosmetic procedures.
Procedures that may not be covered by your first dental insurance plan include:
- Cosmetic procedures
- Treatments like teeth whitening and veneers are usually excluded. These are considered elective and not medically necessary, so insurers don’t include them in standard coverage. Delta Dental of New Jersey and Connecticut does offer plans with teeth whitening and veneers coverage.
- Adult orthodontics
- Braces and other orthodontic treatments are often not fully covered for adults or may be only partially covered for children. These are seen as corrective rather than essential, and coverage varies widely by plan.
- Dental implants
- Implants are frequently classified as cosmetic or elective, even though they serve a functional purpose. Some plans may cover parts of the procedure (like the post or abutment), but not the full cost.
If you have questions about coverage, it’s a good idea to reach out to your dental insurance company’s customer experience team before starting a treatment. They can help you fully understand any additional costs that you can expect.
Not every dentist will accept your first dental insurance plan
Another common misconception people have with their first dental insurance plan is that all dentists accept all insurance providers. In reality, acceptance varies, and not every dentist is in-network. If you have a dentist you prefer to see, be sure to confirm whether they accept your dental insurance before you enroll in it.
You will feel more confident when you have your first dental insurance plan
Having dental insurance can make you feel more confident in both your health and finances. It gives you access to regular cleanings and check-ups, helping you maintain a healthy, bright smile you’re proud to show. It also reduces the stress of unexpected dental costs, giving you peace of mind that you’re covered if something goes wrong.
You will never regret investing in your first dental insurance plan
Your first dental insurance plan isn’t just a policy; it’s a commitment to your health, confidence, and future. Whether it’s catching issues early, budgeting for treatments, or simply building healthy habits, your first dental insurance plan lays the foundation for long-term wellness. It’s a decision you’ll be glad you made now and for years to come.
