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When Does Private Health Insurance Cover Dental Work?

Happiness and good health go hand-in-hand.   I’m sure you have experienced this first hand, when you are happier, you most likely feel better internally and mentally.

It is a little tricky when you have a health insurance and you need to pay for dental procedures.  Not all health insurance plans cover dental procedures.  Always check with your health insurance provider to see exactly what it covers.  With that being said, buying an individual dental plan can benefit you greatly if you are getting dental work done.

Oral and maxillofacial surgery (which includes:  diseases, injuries, and defects of the mouth, teeth, jaws, face, head, and neck) are medically necessary. Therefore, your medical plan could cover some or all of these operations and pay a portion of the expense.

Patients need a dental plan to pay for the rest of the non-medical practices of the procedure.

So, what do you do?  You can either request a loan or purchase an individual dental plan.

Your health insurance plan may cover the removal or wisdom teeth.  Your plan may also cover the cost of jaw surgery as long as it is a non-biting injury.

Some dental procedures require anesthesia as long as it is deemed medically necessary.  Always check your plan to see if it covers anesthesia.

Orthodontics is rarely covered by health insurance; you will need a dental plan to cover braces and so on.

Oral health is an important part of overall wellness. Unfortunately, too many people neglect their oral health due to the high costs of dental plan coverage. A low-cost dental insurance plan can ensure that you and your family maintain optimum oral health at a surprisingly manageable monthly premium. Your personalized family dental coverage plan will be designed specifically to your needs by our dental insurance brokers.

Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.