Maintaining good oral health is essential for your overall well-being. Dental insurance can provide peace of mind knowing you have coverage for routine dental procedures and emergencies. At C.J. Noel Insurance, we understand everyone has unique dental needs and budget constraints, so we offer various plans that cater to different budgets and preferences.  

Whether you’re an individual looking for coverage or a business owner seeking dental insurance for your employees, we have options that can suit your needs. Contact us today to learn more.  

How Does Dental Insurance Work? 

 

Dental insurance is a type of insurance that can often be included as part of an employer-sponsored benefits package or purchased separately through the private market. Like general health plans, dental insurance can often be personalized to suit your coverage needs and budgetary preferences. In exchange for your premiums, you’ll be covered for the length of your policy’s term and will receive financial assistance in paying for certain services. 

Businesses that offer dental insurance typically have their employees enroll in dental insurance plans during open enrollment or special enrollment periods, if applicable, and have employees contribute to their premiums through payroll deductions. 

What Does Dental Insurance Cover? 

 

What is covered under your dental insurance plan largely depends on your plan and where you seek care. The typical dental insurance plans may provide coverage for the following services and procedures: 

• Checkups
• Cleanings
• Fluoride treatments
• X-rays
• Fillings
• Extractions
• Crowns
• Root canals
• Dentures
• Braces
• Bridges
• Inlays 

How Much Does Dental Insurance Cost? 

 

The cost of dental insurance policies is not fixed and can differ significantly based on the level of coverage you choose and the number of people covered under your plan. The details concerning your premiums, co-pays, deductibles, co-insurance and annual maximum all play a significant role in determining your overall expenses. You may be limited in your choices depending on whether you’re purchasing coverage through your employer or private market coverage. 

Employers offering dental insurance generally pay more of the premium, similar to health insurance cost sharing. However, because employees value a comprehensive benefits package, offering dental insurance may be worth the cost.  

How to Get Dental Insurance 

 

Whether you’re an individual or a business needing a dental insurance policy, we’re here to help. Reach out to C.J. Noel Insurance today to learn more about our dental insurance offerings.