Do I Need Dental Insurance? Breaking Down the Basics

 Dental

It may not be most people's idea of fun, but good oral hygiene and regular visits to the dentist are important factors in your overall health! Regular preventative checkups and cleanings, as well as the occasional corrective procedure, can be expensive if you're paying out of pocket.  Because most medical plans don’t cover dental, you might want to consider your options for dental insurance.

Check out our quick guide to dental insurance to help answer a few commonly asked questions:

What is dental insurance?

It’s insurance for your teeth, gums, and mouth! Dental insurance will help you cover the cost of preventative care, as well as ensure you’re not alone should you need major dental services.

Who should have dental insurance?

People of all ages! Dental insurance is a good idea for anyone who looking to control out of pocket expenses for biannual cleanings, or if you expect needing any major dental work done.

What do dental plans typically cover?

Many dental plans cover the cost of preventive checkups and cleanings every 6 months. A portion of the costs associated with both minor and major dental services will also be covered depending on the plan you choose.

Minor services include fillings, non-routine X-Rays, and emergency pain relief.

Major services include root canals, crowns, implants, dentures, oral surgery and more.

When should you get dental insurance?

Typically, you can purchase dental insurance at any time of the year. However, it’s best to avoid gaps in coverage because your new dental plan might enforce a waiting period before they will cover certain services. Many dental plans will waive the waiting period if you can show proof of prior comparable coverage.

I think I want dental insurance. Now what?

We’re happy to hear that! Your dental health matters, and finding the right plan matters too.

Gravie offers ancillary benefits, including dental insurance! To explore plan options and pricing, sign up or log in to your Gravie account. Don’t see what you’re looking for? The Gravie Care Team is here to help you find a plan that meets your needs – contact us at 800.501.2920 or help@gravie.com.

Topics: Employee Benefits, Gravie Care, Dental Insurance