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Dental Insurance in Monrovia, MD

Maintaining your oral health is integral to your general health and wellness. While good dental care habits may help avert many potential health issues, even the most diligent and meticulous individuals may eventually require professional care. The importance of accessing adequate dental services is also compounded by many conditions related to your mouth, teeth and gums, potentially leading to various issues throughout the rest of your body. Given these stakes, you should prioritize understanding and investing in the right dental insurance.

How Does Dental Insurance Work?

Dental health insurance can be purchased through the private insurance marketplace or may also often be made available as part of your employer’s benefits programs, usually as a voluntary benefit. This coverage typically functions similarly to general health insurance and may help limit out-of-pocket costs for various dental services while often covering routine cleanings. The amount that you and your insurer will pay for care may depend on the following components of your policy:

  • Premiums—This is the amount you pay regularly (e.g., monthly) to maintain your dental insurance plan.
  • Deductibles—This part of your policy establishes the minimum amount that you must pay for dental care in a single plan year before your insurance will begin to contribute.
  • Co-pays—This establishes the amounts you must pay out of pocket for specific services, such as checkups and X-rays.
  • Co-insurance—This clause determines what percentage of various dental procedures will be covered by your insurance.
  • Annual maximum—This establishes the maximum amount of financial assistance your policy can provide in a given plan year.

What Does Dental Insurance Cover?

  • Checkups
  • Cleanings
  • Fluoride treatments
  • X-rays
  • Fillings
  • Extractions
  • Crowns
  • Root canals
  • Dentures
  • Braces
  • Bridges
  • Dental implants

How Much Does Dental Insurance Cost?

Like most types of insurance, the cost of your dental plan may vary depending on the details of your policy. Typically, policies with higher premiums may help lower your out-of-pocket costs owed at the time of procedures and services. Conversely, you may be able to save on your premiums by agreeing to pay more out of pocket. Your insurance costs may also vary based on your unique circumstances, including where you live and your age.

Get the Right Coverage

At Lyceum Insurance Services, our dedicated staff has served clients’ coverage needs for over 40 years. We will draw on that extensive knowledge and experience to analyze your dental insurance needs, determine suitable coverage options and establish ideal policies. Contact us today to get started.