There are minor premiums and major dental premiums. Most, if not all, minor procedures are covered by the basic package by about 70%. This means you should the remaining 30%. Most major procedures fall under the 50% rating, which means there is a monetary responsibility on your part to shoulder the balance. Some insurance companies shoulder the total costs of minor procedures if the policy can allow for it. This is the kind of dental insurance plan you should aim for. Regarding payment, you have a choice of paying monthly or annually. Some insurance companies even allow quarterly payments. If you compute the monthly charges, the total amount would be more than the amount you would pay if you chose the annual payment scheme. The advantage of the monthly payment scheme is that it is easier to manage. All insurance companies will put a limit to the number of procedure you can have in a year, as well as in your lifetime. Ask your insurance agent about this. It is referred to as the Annual Benefit Cap and the Lifetime Benefit Cap. These are just some of the basics of dental insurance plans. As you delve deeper into the details, you will discover that it gets easier to understand.
