Dental Insurance in Newton, MS
Dental health plays a major role in your overall health and well-being. By taking good care of your teeth, gums and mouth, you may be able to reduce your risk of various infections and conditions throughout your body. But even if you are diligent about maintaining good oral health and hygiene, you may still encounter certain issues. With that in mind, it’s essential to understand and maintain adequate dental insurance.
How Does Dental Insurance Work?
Dental insurance can often be added to an existing health insurance plan or purchased as its own separate policy. By having a dental plan, you may be able to secure coverage for various medical services, including preventive care, surgery and specialists. Like general health insurance, when shopping for the right dental policy, you should understand the following terminology:
- Premiums—These are your regular (e.g., monthly) payments to maintain your dental coverage.
- Deductible—This term refers to how much you must spend in a given plan year before your policy will begin to contribute.
- Co-pay—This is the amount you will be required to pay out of pocket for various dental services and treatments.
- Co-insurance—This determines the percentage you will contribute toward covered procedures after paying your deductible.
- Annual maximum—This term establishes a maximum amount that your insurance will contribute to dental care within a given plan year.
What Is Covered by Dental Insurance?
When exploring your dental insurance options, it may be possible to customize various details of your policy in accordance with your needs and budgetary limits. Depending on your coverage levels, your plan may provide financial assistance for a variety of services and procedures, such as the following:
- Checkups
- Cleanings
- Fillings
- X-rays
- Braces
- Crowns
- Root canals
- Dentures
- Surgical extractions
- Dental implants
Reach out to our agents for more information on terms, limits and exclusions.
How Much Does Dental Insurance Cost?
Like most types of insurance, the cost of dental coverage may vary significantly. Although there are many options for personalizing your plan, in most cases, these policies can be classified as one of the following:
- Low coverage policies—These plans generally include lower premiums; however, you should expect higher out-of-pocket costs when seeking dental care and services.
- High coverage policies—If you have this type of plan, you may have to pay higher premiums, but your co-pays and deductible may be lower, reducing the amounts you will have to pay out of pocket for covered services.
Get the Right Coverage
Since 2003, the agents at FLM Insurance LLC have made it their mission to help individuals, families and businesses understand and address their coverage needs. We will work with you to assess the various dental insurance options available to you and ensure that your policy is optimized to suit your needs. Visit our website or call 601-910-6100 to get started today.