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Dental Insurance in Morehead City, NC 

Proactive guidance is paramount when working toward financial goals that serve your best interest. And while dental insurance has many benefits, knowing what it entails is essential in deciding whether or not it is right for you. Here’s what you need to know. 

What Is Dental Insurance?

Dental insurance is a type of health insurance that covers some or all the costs of preventive and restorative dental care. This type of insurance helps people to manage the high cost of dental care by providing coverage for regular check-ups, cleanings, fillings, and other dental procedures. 

Dental insurance policies can be offered by private insurance companies or as part of an employer-sponsored benefits package. Some policies require a co-pay or deductible for specific procedures, while others cover the total cost of treatment. 

The coverage provided by dental insurance can vary widely depending on the policy. For example, some plans only cover preventive care, while others cover major dental procedures such as root canals, crowns, and bridges. In addition, some plans have restrictions on the types of treatments that are covered or require a waiting period before specific procedures can be performed. 

How Can Dental Insurance Benefit Me?

Dental insurance offers several benefits, most of which fall under the umbrella of preventative care. When paying out of pocket, these services can be pretty costly. But with plans that start as low as $10 a month, investing in a dental health plan almost always pays for itself when you take advantage of everything the policy offers. Typically, a dental insurance policy will cover the following:

  • Two dental cleanings per policy year (One every six months)
  • Cavity fillings
  • Tooth extractions
  • One x-ray per policy year
  • Crowns, bridges, and implants
  • Root canals and other necessary repair work
  • Emergency dental procedures, such as oral surgery

Remember that dental does not typically cover orthodontic care. However, plans are available to cover the costs associated with corrective orthodontics, like braces and Invisalign. Corrective orthodontics can be pretty pricy when paying out of pocket, with the average cost of Invisalign ranging from $1,800 to $9,500. On the other hand, dental health plans with orthodontic benefits can cost as little as $150 per month, making them well worth the investment if you need these services in the future. 

What Type of Policy Is Right for You?

It’s important to carefully review the coverage and costs associated with a dental insurance policy before enrolling. For example, some policies may have high deductibles or co-pays, while others may have limited networks of dentists who accept the insurance. Additionally, many policies may not cover cosmetic procedures such as teeth whitening or orthodontics. Therefore, choosing a policy that aligns with your dental care needs and budget is essential. If you are unsure which plan is right for you, speaking with a trusted financial professional is an excellent way to find guidance. 

Discover the Good Life

Good Life can help you find the best affordable dental insurance plan for you and your family. Additionally, some excellent supplemental insurance options for Medicare and Marketplace healthcare plans are available. 

To learn more about finding the best dental insurance for you and your family, contact us today to schedule a complimentary Discovery Call. This meeting is a no-obligation consultation to discuss your current life circumstances, financial situation, and long-term goals. It is also an opportunity for you to learn more about us and determine whether you feel comfortable moving forward with our team of financial professionals. 

If you’re ready to discover the Good Life, contact us today to schedule your free consultation. We hope to help you soon!

The opinions voiced are for general information only and are not intended to provide specific advice or recommendations for any individual.