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Pros and Cons of Full Coverage Dental Plans


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Full coverage dental plans include all the regular dental procedures that are likely to be performed on anyone. Each procedure is covered at a specific rate and the regulars such as teeth cleaning are limited to two times a year. In order to keep your dental health in top condition, do not neglect these twice-a-year tooth cleaning appointments. Regular cleaning will prevent most of the major problems caused by cavities such as root canals and tooth extractions.

Full coverage differs from discount dental plans in that they are more of a contract, with a detailed outline of all the basic services you are entitled to under the policy and the monthly premiums you are expected to contribute. Not every dental procedure is covered under full coverage dental insurance. The more expensive procedures are handled on a cost-sharing basis between the insurer and the policy holder. If you go through such a procedure, the dental clinic will send the bill to the insurance company, who will then pay their share of the cost. Then you will pay the co-payment to clear the bill. Full coverage dental plans will not pay for any services that are not stipulated in the policy. Pre-existing conditions will also not be covered in the policy.

You can supplement a full coverage dental insurance policy with a discount dental plan. The full coverage dental plans will take care of all your basic dental treatment as well as minor dental procedures and the dental plan can cover the services excluded from the full coverage.

Exactly what does a full coverage plan offer?

- Basic dental procedures like tooth cleaning and x-rays.

- Coverage for root canals, filling, caps, bonding and other small procedures. These may cost you a little out-of-pocket.

Major dental procedures such as implants, surgery, braces and dentures are usually not covered in full coverage dental insurance. Insurers reason that if you take care of your teeth and keep up with the regular check ups, then your teeth will receive all the care they need to keep them from deteriorating into such a state as to require these advanced procedures. Procedures that are considered more cosmetic than curative such as teeth whitening and sometimes implants are also not included in full coverage dental insurance.

Consider your dental needs and those of your family members when choosing between full coverage dental plans. If you have small children who may need braces when they are older, look for a plan that covers that if possible or one that covers part of the cost.

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