Best Dental Insurance For Major Dental Work

Dental insurance and dental assistance is important for staying healthy and keeping your mouth in good condition. And when it comes to major dental work, it’s important to ensure you have the right coverage. Major dental work like root canals, dental implants, and crowns can burn a hole in your pocket without adequate insurance coverage.

For seniors, many types of policies available can help you pay for expensive dental procedures and keep your smile looking great.  Let’s look at the best dental insurance for major dental work.

Questions To Ask When Looking For Dental Insurance

Before settling down with a dental insurance provider, ask the following questions to ensure you get the best coverage that matches your needs and budget. 

Do I Need Special Coverage? 

The answer to this question will depend on your individual needs. If you’re looking for coverage that goes beyond basic checkups and cleanings, then yes, you may need special coverage. 

Most standard plans don’t cover major procedures such as crowns, bridges, root canals, or implants. If these are necessary for your oral health, then it’s best to look for a policy with extra coverage specifically designed for major dental work. 

What Should I Look For? 

When shopping for dental insurance that provides extra coverage for major dental procedures, there are several factors to consider: 

1. The plan should provide comprehensive coverage so that all of your needs are taken care of, from preventive care to more serious treatments; 
2. Check if the plan covers specific services such as orthodontics; 
3. Look into how much of the cost is covered by the policy; and lastly, 
4. Make sure the deductible is within your budget and compare different plans before deciding.

You should also be aware that some insurers will not cover preexisting conditions or certain services like cosmetic dentistry, so read the fine print.

Best Dental Insurance For Major Dental Work

Here is the top dental insurance that covers major dental works. 

Features:

• Maximum Annual Benefit: $1000 – $1500
• Deductible: $50 for individuals and $150 for family plans
• Waiting Period: 6 months (basic coverage) and 12 months (major work)

Pros	Cons
Accepted by many dentists due to a large provider network	Long waiting period
No deductibles and copay for preventive dental care like cleaning and x-rays	Limited maximum annual Benefit
Has 24/7/365 customer support	The basic plan is only for preventive services

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Features:

• Maximum Annual Benefit: $1000 – $3000
• Deductible: $50 for individuals and $150 for family plans
• Waiting Period: none

Pros	Cons
Has plans with high maximum annual benefits	The monthly cost can be expensive depending on your state
No waiting period for fillings and crowns	Doesn’t cover orthodontics
Has a loyalty reward that increases yearly	$3,000 annual maximum Benefit is only for the top tier plan

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Features:

• Maximum Annual Benefit: $1000 – $2000
• Deductible: $100 for individuals 
• Waiting Period: None to 6 months (major work), depending on the state

Pros	Cons
No waiting period even for major work (in some states)	Out-of-network dental coverage is expensive and inconvenient
Includes hearing aid and exams with an option to add a vision rider	Only covers 47 states
Has no maximum age limit

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Get the Dental Insurance You Need Today

Finding the right dental insurance can be challenging, but it doesn’t have to be overwhelming. With a bit of research and knowledge about what kind of coverage you need, you’ll be able to find a policy that works for your particular situation, especially if you’re looking specifically for insurance that covers major dental work. 

Whether it’s crowns or implants, shopping around and comparing different policies will ensure you get the best value out of your investment. 

Are you looking for an alternative to dental insurance? Check out the available dental grants for individuals who need affordable dental options at Gov-relations.