You shopped around for dental insurance, considered the different premium options, and compared costs. You are ready to make your decision when suddenly you notice one more dollar amount — the deductible. What in the world is a dental insurance deductible? And what is the difference between the dental insurance deductible and other out-of-pocket costs like premiums and copays?
Fear not. Deductibles are one of the most straightforward aspects of dental insurance.
The deductible is the dollar amount you have to pay directly to your dentist before your plan benefits will begin. That’s it.
This depends upon your dental plan. Some plans have deductibles for all treatments, some don’t have deductibles for preventive care, like twice yearly exams, cleanings, and fluoride treatment. Your plan benefit summary or plan policy should have all the details on your particular plan.
Again, this depends upon your dental insurance plan and carrier. If your plan policy shows a deductible applies “per person”, this just means each person has their own separate deductible. All of our Individual and Family plans carry a “per person” deductible.