Examining the 3 Different Types of Texas Dental Insurance

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Dental insurance is paramount to ensuring your oral health stays in tip-top shape. You only get one set of adult teeth, and the right type of Texas dental insurance is essential to caring for them. Routine cleanings and preventative care are critical to preventing painful dental issues which can lead to other problems.

Dental care can be costly, and the right type of Texas dental insurance can help ensure access to care. Oral health is a vital part of your overall well-being. When your oral health suffers, it can negatively impact other systems in the body. The right type of Texas dental insurance can help preserve your overall well-being and ensure you’re always sporting a healthy beautiful smile.

Here’s what you need to know about the 3 types of Texas dental insurance.

Preventative Care Insurance

Preventative care Texas dental insurance helps pay for things like regular check-ups and cleanings. Preventative X-rays are also covered under this type of insurance. Preventative care services are limited to 2 visits per year per person. When you see an in-network dentist, these services are covered at 100 percent without a deductible. If you see a dentist out of network, preventative care Texas dental insurance will pay for 80 percent of the charges.

Basic Care Insurance

Basic care Texas dental insurance usually pays for the bulk of dental services. These are things like special X-rays, restorative care, diagnostics, and non-surgical extractions. If you go to the dentist with a toothache, they will likely take X-rays. Suppose they find a cavity that needs to be filled. These services would be covered under your basic care Texas dental insurance.

Basic dental services like evaluations, fillings, and periodontal services are usually covered at 65 percent in the first year. After the initial first year, these services are covered at 80 percent, but each policy is different. Some Texas dental insurance policies offer benefits that increase gradually over the first year or two.

Major Care Insurance

Major care Texas dental insurance policies often cover major restorative services like implants, root canals, and crowns. Some policies may even cover orthodontia services, like teeth straightening. These Texas dental insurance policies often pay 20 percent of the contracted charges in the first year, but every policy is different. Some policies may offer more coverage or less coverage that increases over time. Be sure to ask about your coverage options before purchasing Texas dental insurance so you can find the best plan for your family.

Get Texas Dental Insurance Today

Texas dental insurance is critical to good oral health. It is important that you and your family have the Texas dental insurance necessary to ensure access to care so you can properly maintain your health and well-being. If you don’t have Texas dental insurance, you should consider purchasing a plan today. Be sure to ask about coverage options, deductibles, and waiting periods before choosing a plan. Don’t forget that some Texas dental insurance plans have coverage that increases gradually over the first year or two. Texas dental insurance plans are cost-effective options for ensuring optimal oral health for the whole family. Purchase your Texas dental insurance plan today.

 

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