Factors involved in the price of dental insurance

• Age of the insured (the older the person the higher the price)
• Type of insurance (HMO insurance is cheaper than PPO dental insurance)
• Amount of annual coverage ($1,000.00 annual coverage is not the same as $2,000.00)
• Waiting time (most insurances have a waiting time of six months and many others have a waiting time of one year)

Are cosmetic treatments covered by dental plans?

 
The answer is almost always no. Any cosmetic procedures such as veneers, teeth whitening or orthodontic treatment may not be included in all types of dental plans, and when they are, coverage is very limited for the first year.

Stomatological procedures covered by dental insurance

 
Usually dental insurance policies group procedures into 3 categories of coverage Preventive, Basic and Major.

Preventive dental procedures are almost always covered at 100%. These include:

• Oral exams
• Teeth cleaning
• Routine X-rays
• Sealants
• Fluoride for children.

The basic procedures or restorative care of dental insurance in the United States often discuss 80% - 20% with the maximum for the insurer. We can find these procedures:

• Fillings and extractions
• Gum disease treatment
• Extractions
• Fillings
• Root canals

Major dental insurance procedures in Texas are generally covered at 50%-50%. We can mention in this level of complexity:

• Crowns
• Bridges
• Inlays
• Dentures