Everyone wants to keep their pearly whites healthy for life. However, teeth require regular care to upkeep their strength and beauty. Many rely on dental insurance to help cover such services to maintain their oral health. Here is a helpful guide on what the policy is, what’s included, and why the cost is worth the price.

What Is Dental Insurance?

Dental insurance is a form of health coverage that pays for a wide range of services. The policyholder invests a monthly or annual premium for the plan they choose, and the deductible refers to the amount paid out of pocket. When it’s time to visit the dentist, the policyholder pays for services up to the deductible. After that amount is reached, the insurance provider picks up the rest of the tab.

What Services Are Covered?

The focus is typically on preventative care services, including routine exams and X-rays. Having dental insurance is especially beneficial for regular teeth cleaning, which helps promote good oral hygiene. Coverage may also extend to extractions, fillings, crowns, and root canals. Depending on the policy, services can include braces, dentures and cosmetic dentistry, such as teeth whitening and veneers.

Why Is It Important to Have Coverage?

Putting off routine dental visits can lead to bigger problems. Gum disease and permanent tooth loss are just a couple of the outcomes of neglect. Unfortunately, the expense of certain visits and procedures often prevents people from investing in their oral health. Dental insurance helps fill this financial gap by covering essential services.

Maintaining healthy and strong teeth and gums requires commitment. With comprehensive dental insurance, patients can get the professional care they need. Hummel Insurance Services in Oakland, IA, offers clients nationwide options for affordable coverage. The independent agency will shop for budget-friendly rates from leading insurance providers. To learn more and receive a free quote, call (712) 482-6424 today. Visit the website for information on the full suite of policy choices.