Dental insurance helps pay for dental care and usually includes regular checkups, cleanings, X-rays and services required to promote general good dental health. Some plans provide broader coverage than others, and some require a greater financial contribution from you when services are rendered. Some plans may even provide coverage for oral surgery, dental implants or orthodontia.
Common dental insurance terms:
- Diagnostics: These may include x-rays, bitewing, full-mouth, or intraoral occlusal film.
- Preventive Care: Services that are concerned with the prevention of disease through educational and protective measures: these may include routine office visits, cleanings, check-ups, etc.
- Basic Care: Procedures to repair and restore individual teeth due to decay, trauma, impaired function, attrition, abrasion, erosion, etc.
- Major Care: Procedures dealing with the restoration of teeth. This could include inlays, crowns, veneers, bridges, root canals, oral surgery, etc.
Vision insurance provides specific eye care benefits as defined by the policy. Vision insurance policies typically cover routine eye exams and other procedures, and provide discounts or specified dollar amounts towards the purchase of eyeglasses and contact lenses. Some policies may even offer discounts on refractive surgery.