It’s easy to overlook how important dental insurance is until it’s too late. Most Americans suffer from costly dental issues at some point in their lifetime, and the cost of an assortment of treatments such as implants, root canals, and braces can be financially crushing.

Fortunately, dental insurance can help. Dental insurance offers coverage for a variety of dental services and supplies, and depending on your plan, you may have access to preventative care and wellness benefits.

When looking for the right dental insurance plan, it’s best to explore what type of coverage is offered. There are a variety of plans including traditional plans, HMOs and PPOs that cover a range of services. Traditional plans may offer coverage for routine cleanings and basic dental treatments. HMOs and PPOs may offer expanded coverage with additional benefits such as orthodontic services and treatments for chronic conditions. It’s important to read the fine print of plans and determine exactly what is covered before making a decision.

Cost is another factor when considering a dental insurance plan. Typically, the premiums are paid by employers in most cases. However, if the premiums are being paid out of pocket, it’s important to make sure that the plan fits your budget. It’s also important to compare plan costs between providers and to understand what, if any, co-pays or other fees are involved.

Finally, it’s important to have a good understanding of what limitations or exclusions apply to a plan, including any restrictions on the types of treatments, dental professionals, or locations where services can be obtained.

Having the right dental insurance plan can mean the difference between having or not having access to necessary treatments for dental issues. It’s important to be mindful of what dental coverage is available and to understand the details of each plan before making a decision. With the right dental insurance plan, getting the treatments you need is both accessible and affordable.