How does supplemental dental insurance work

The CarePlus Supplemental dental plan works with your current dental insurance plan by providing additional coverage to reduce or eliminate out-of-pocket expenses. All plans are subject to the terms and conditions of the respective policies. CarePlus Supplemental Exclusions and Limitations. Dental Insurance Savings Calculator Discover how much CarePlus can help you save on out-of-pocket costs for specific dental procedures! Learn More.

Coverage begins on the first of the month on or following your eligibility date. See Life Events for more information. Once enrolled in a supplemental dental plan, you must remain enrolled for the entire calendar year.

If you enroll in more than one dental plan, bring both ID cards with you to your appointment. After you enroll, Delta Dental will mail your ID card. You may also login and print an ID card online at www. Every effort has been made to ensure this information is current and correct. If so, you can apply for that during annual open enrollment. There may be different types of dental plans you can choose from that can help cover the type of dental care you expect to need.

You can do this either through a state health exchange or directly from a health insurance company like Cigna. What does dental insurance cover? This often includes a dental exam and cleaning every six months, as well as certain types of mouth X-rays.

There may also be coverage for sealants, fluoride, and more for children. Restorative care: This includes everything from fillings for cavities and tooth extractions, to root canals, crowns, bridges, dentures, and more. Treatments like these range from basic to major. The more complex and specialized your dental care, the more costly it may be. If you expect to need dental care that goes beyond your preventive dental exams, you may want to explore dental plans that offer you more coverage for restorative services like these.

Orthodontic care: This area of dental specialization is focused on correcting teeth and bite alignment. If you or a family member expect to need this type of dental care, look for dental insurance that includes coverage for orthodontic services.

What is not covered by dental insurance? Here are some kinds of dental treatments that may not be covered: Anything cosmetic, such as teeth whitening and veneers.

Orthodontic appliances such as braces, removable teeth aligners, or retainers may not be included in all types of dental plans.

Dental deductible, copay, and coinsurance explained Here are the basic costs associated with most dental plans. You will pay your dentist for any non-preventive dental care until you meet this plan deductible. Dental copays are fees you may have to pay when you visit a dentist. Usually you pay the copay at the time of the visit. It may count toward meeting your deductible. Coinsurance is the term used to describe how you and your dental plan share costs, once you meet your deductible.

In your dental plan details, coinsurance is often shown as a percentage of what you will pay vs. What are the benefits of having dental insurance? The benefits of dental insurance can include: Lower out-of-pocket costs for non-preventive dental care. Without dental insurance you end up paying the full cost for dental treatments and procedures. Your insurance company negotiates with the dentists in its network to offer you lower costs. This is how a dental plan helps protect you from the high cost of dental care.

These plans include a dental exam, cleaning, and some X-rays every six months. For children it may also include fluoride and other pediatric preventive dental care. Good dental health impacts other health, too. Good dental health can help you identify health problems before they become major.

During your regular oral exam, your dentist not only cleans and polishes your teeth, but they also check your whole mouth, throat, and tongue for cancer and other potentially serious issues. Keeping teeth and gums healthy can also help avoid serious health problems like heart disease. For existing health problems, poor oral health can actually worsen things like diabetes and coronary artery disease.