The number of employers offering dental care insurance is increasing rapidly, as coverage for dental care is being offered more frequently as part of group health plans. Occasionally, dental insurance is part of a health benefits package with a single deductible called an integrated deductible, applying to both medical and dental expenses. More often, dental coverage and dental claims are handled separately, though they may be part of a larger package with a separate deductible for health insurance coverage and for dental insurance coverage. There also may be a probationary period in group dental insurance to help hold down coverage for preexisting conditions.
Some dental policies are scheduled; that is, benefits are limited to specified maximums per procedure, with first dollar coverage. Most, however, are comprehensive policies that work in much the same way as comprehensive medical expense coverage. Continue reading ‘The Basics of Dental Insurance’ »