Dental Benefit Basics: Common Terms Defined

by Jason 11/18/2014 8:00 AM

If dental benefit terms confuse you, you’re in good company. A 2013 survey found that 51 percent of U.S. adults were unable to accurately identify common health insurance terms. In order to better understand dental benefits, it’s important to start with the basics.

1.    Coinsurance

Coinsurance is the portion of the cost of your dental treatment that you are required to pay. Most dental plans pay a predetermined percentage of the cost, and you pay your coinsurance amount even after your deductible is reached. 

2.    Co-pay

A co-pay is a fee that you pay at the time of service.   

3.    Deductible

A deductible is a specific dollar amount that you must pay before the dental plan begins to cover your expenses. Deductibles usually apply to basic or major treatment, not cleanings and exams. 

4.    Premium

A premium is the total amount paid to the dental provider for your coverage. Premiums can typically be paid annually or monthly.

What other questions do you have about dental benefits? Let us know in the comments section!

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