Dental Insurance in Chicago, IL
Your oral health plays an essential role in your overall well-being and quality of life. Diseases and other issues affecting your teeth, gums and mouth can cause extreme pain and discomfort and may also eventually affect other parts of your body. Having access to essential dental care can make all the difference, but affording oral health services and products can be difficult without sufficient dental insurance. At Ensured Advantaged, we can help you find the right coverage.
What Dental Insurance Covers 
Dental insurance can cover a wide variety of health care services, potentially minimizing out-of-pocket costs that might otherwise impose significant financial strain. Although your policy’s exact capabilities and limitations may vary, many dental insurance plans can offer at least some financial aid for the following:
- Regular checkups
- Cleanings
- Extractions
- X-rays
- Braces
- Fillings
- Crowns
- Root canals
- Dentures
How Much Does Dental Insurance Cost?
Dental insurance rates can be influenced by a multitude of criteria. In many cases, carriers may consider the following:
- Type of plan (e.g., HMO or PPO)
- Coverage limits
- Location
- Age
- Number of insureds
- Deductible
How Does Coverage Work?
Dental insurance policies are typically made up of several key components. Understanding the following clauses is key:
- Premiums are how much you’ll pay on a regular basis (e.g., monthly) for your plan.
- Deductibles are minimum amounts you need to pay out of pocket in a single plan year before your coverage will pay out.
- Annual maximums limit how much your coverage will pay out in a single plan year.
- Copayments and coinsurance are flat fees and percentages of total costs that you contribute toward certain services, such as X-rays and root canals.
Dental Insurance Near Me
If you’re looking for dental coverage in Chicago, IL, contact Ensured Advantaged today to discuss your options and find the right plan.