Dental insurance typically works by paying a monthly or annual premium to an insurance company in exchange for coverage of certain dental services. The specific services covered and the amount of coverage can vary depending on the plan you choose.
When you need dental care, you will typically visit a dentist who is in-network with your insurance plan. The dentist will provide the necessary services and bill the insurance company for the cost of the services provided.
The insurance company will then pay a portion of the cost directly to the dentist, and you will be responsible for paying the remaining balance. The amount you pay out-of-pocket will depend on the specifics of your insurance plan, including deductibles, co-pays, and coverage limits.
It’s important to note that dental insurance typically does not cover all dental services, such as cosmetic procedures or treatments that are deemed medically unnecessary. Additionally, some plans may have waiting periods before certain services are covered, or may only provide partial coverage for certain procedures.
Overall, dental insurance can help to offset the cost of routine dental care and some dental procedures, but it’s important to understand the specifics of your plan and any limitations or exclusions that may apply.