Everyone has the right to a smile that’s equally beautiful and functional. Though acquiring your dream smile is significantly easier these days thanks to modern dentistry, there are additional factors that you must consider before jumping into any treatment.
One such thing is dental insurance. Having coverage when you visit a dentist in Millwoods can give you peace of mind, knowing that your oral health and your financial well-being are protected. If you have any questions about dental insurance, we encourage you to reach out to a local clinic today.
What is Dental Insurance?
As its name clearly describes, dental insurance refers to having financial coverage when you come in for care. Plans can differ regarding the services they cover. Most people assume that their dental insurance does not cover cosmetic dentistry. However, this is not always the case as some cosmetic treatments are also classified as restorative and some dental insurance plans now cover cosmetic dentistry, though the portion covered varies widely from 0% to almost 100%. Check with your dental insurance company or request your clinic to check for you. You may be surprised. The type of cosmetic dentistry you need, or desire may also factor into whether your dental insurance plan will cover it or if you will have to pay out of pocket.
There are varying degrees of dental insurance available; it depends on the type of plan that you opt for, or your employer provides. Those employed usually have dental insurance plans through their employment whereas those not offered dental insurance plans, self-employed, retired or not employed may opt to get private dental insurance plans. Low cost, basic dental insurance plans only cover minimal dental treatments, which usually entails a routine checkup and cleaning. More extensive and usually plans with higher premiums may cover orthodontic and restorative care like dentures, crowns, and fillings, but these come at a greater cost.
Looking at Dental Insurance in Canada
Dental insurance in Millwoods, and by extension, in Canada, is categorized under medical insurance. Depending on your plan, the percentage of the treatment covered will vary, and as a patient, you will be expected to pay the portion that is not covered.
Canadian dental insurance companies categorize plans differently, but generally, you will find that plans are listed under four categories, and they are basic, comprehensive basic, major services, and orthodontic services. These are outlined in further detail below:
- Basic – This type of plan includes preventative treatments like x-rays, cleanings, and checkups. What this means is that you can come in and have your smile assessed for any cavities and cleaned, but if you need a dental filling, for example, there is no coverage to receive this service.
- Comprehensive Basic – This plan encompasses root canal procedures and fillings. Most patients prefer coverage for this type of care since these treatments usually cost more than routine cleanings.
- Major Services – This type of plan covers restorative care, including bridges, crowns, and dentures. Such treatments are major undertakings, as the name illustrates, so it is a smart idea to acquire this particular type of coverage, especially since the need for these services often arises unexpectedly and can be quite costly if you are not insured.
- Orthodontic Services – Orthodontics is a dental specialization that focuses on preventing, identifying, and correcting crooked teeth and unaligned jaws. If you need braces, that falls under this category, as well as occlusion and bite alignment treatment.
Some dental insurance plans will cover you for all the categories, while some will only cover you for some of them. In addition, it is important to know if you have a deductible and how much you are insured for each area – a percentage or a monetary amount will be included.
If you have further questions about these treatments or are wondering if your treatment is covered, please speak to a dentist near you. They can guide you through the specifics and even assist you with the necessary paperwork.
The Advantages of Having Dental Insurance
It is not mandatory by any means, but having dental insurance is incredibly beneficial in more ways than one.
- Increases your access to care
- Prevention
- Reduces expenses; saves you money
- Helps you worry less, namely when dental emergencies arise
- Another means to help you maintain good dental health
Other Things to Keep in Mind
Another important detail to keep in mind is that dental insurance benefits expire at the end of the year. So, it is important that you use your benefits before then.
Lastly, treatment fees differ from province to province. In Alberta, an ordinary cleaning can cost up to $140, while in Nova Scotia, it might cost around $85. Make sure you are aware of these discrepancies, so you are not caught off guard when visiting the dentist.
Despite what you may think, being able to access quality dental services is a significant part of staying healthy since oral hygiene is directly linked to overall health. That is why understanding the details of your plan and following through by using them before the year runs out is so crucial.
Get in Touch with Agape Dental Clinic Today
Remember, most insurance plans cover the most basic treatments. So, if the time has come to book your next appointment, we invite you to contact our team today. Should you have concerns about dental insurance in Millwoods, do not hesitate to speak up.
Use your insurance to your advantage and take the steps towards acquiring the smile you have been dreaming of. Call us at (780) 465-1211 or drop by our local office to get started.
We hope to see you soon!
