Do health insurance plans cover dental care?

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Asked July 27, 2010

1 Answer


Read your policy carefully. If dental care is covered under your insurance plan, it will be listed on the policy. While the answer is probably no, there are some exceptions, and many different plans available to choose from.

Most plans do not cover dental as part of the standard package, but do provide riders, or add-on plans for dental care. Your premium will increase along with the amount of additional coverage, but most experts agree that adding dental care to your current plan is less expensive than purchasing completely separate coverage from another company. Ask your insurance company if they provide dental care, and find out what plans may be available for you to examine.

You may also want to look into a supplemental dental plan, which expands on "standard" dental care packages, and includes some of the costs not covered by them. Supplemental plans are not intended to replace dental insurance, only to make it more useful to you. Before you sign up for such a plan, look at it carefully and make sure that what it offers does not conflict with your other policy, and that it does have the potential to be beneficial for you.

Answered July 27, 2010 by Anonymous

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