Before I get into dental insurances, let me introduce two terms to you. Dental plans are the insurance plans that your dental insurance companies promise to cover you under the contractual responsibility they have had with your employer or the subscriber (that is You). Treatment plans are the plans your dentist develop for you and with you and are based on your needs and desire and are meant to be the best for your dental health. Ideally, your dental plan will cover every treatment plans you need and you want. Unfortunately, this is often not the case because insurance companies are to make money, not to satisfy every need of their clients.
Typically, you and your employer pay a fixed amount of money monthly
to an insurance company as the premium to have you covered for a bunch of
insurances such as medical insurance, life insurance, eye-care insurance,
dental insurance etc. The insurance company will then give you a booklet
or brochure outlining what is covered, how it is covered, and how much
percentage it is covered for a specific procedure. Generally, your
dental insurance will not cover what are considered as cosmetic
treatments. These treatments, for example, include the followings:
tooth whitening, veneers, or crowns if the tooth does not need one.
What do you mean when a tooth needs a crown or not, you may wonder?
For example, if the tooth has had root canal therapy, or if it has a
big existing fillings, or if it has fractured and a big piece of it
has broken off, then it is considered necessary to have a crown on it.
If the tooth is discolored and you want to have a crown on it, this is
considered cosmetic, not a necessity.