Dental Insurance in Desoto, TX
Your dental health can play a critical role in your general wellness and overall quality of life. Issues involving your teeth, gums and mouth can have devastating consequences. Although you may understand the importance of good oral hygiene and health habits, certain services and products may incur significant costs. Fortunately, you can secure access to essential care by understanding and retaining the right dental insurance.
What Is Dental Insurance? 
Dental insurance functions similarly to general health insurance but is typically sold as a separate product. In most cases, you’ll need a separate dental insurance plan to access financial aid for many preventive and essential oral health care services, such as checkups, cleanings, X-rays, extractions and root canals. Coverage for certain needs, including braces and dental implants, may vary by plan and carrier.
How Does Coverage Work?
Your dental insurance policy will typically include the following aspects:
- Premiums are the amounts you pay regularly (e.g., monthly) to maintain your coverage.
- Deductibles are the minimum amounts you’ll have to pay in a single plan year before your policy can begin to issue payouts.
- Copays are flat fees you contribute toward specific services.
- Coinsurance establishes out-of-pocket payments as a percentage of the total cost of a procedure or product.
- Annual maximums are the limit that your policy can pay out for covered services in a single plan year.
- Networks are the providers and organizations covered under your policy.
When Does Health Insurance Cover Dental Work?
Although dental insurance is typically separate from health insurance, there may be times when your general health plan can help pay for oral care services. Specifically, you may be able to use your health coverage if the dental care in question is connected to a medical condition or an emergency. Additionally, health plans covering children typically include dental and vision coverage.
We’re Here to Help
Contact Quality Insurance Agency today to learn more about dental plans and compare quotes for personalized coverage.