Dental Insurance: Everything You Need to Know

Dental insurance plans are designed to cover the costs that a patient pays for dental check-ups and treatments. Dental offices usually have a charge schedule or a cost list for the dental services or procedures they offer. Companies offer pricing schedules that are based on Usual and Customary dental services. 

What does dental insurance do?

Dental treatments are comparatively cheaper than the actual cost of the treatment. Moreover, the treatment is free in some cases. They offer treatments to cover all your dental needs. Dental insurance policies deduct a significant amount or allow you to get your treatment completely free of cost.  

Why do you need dental insurance?

The prevalence the oral disease is increasing rapidly. Moreover, the geriatric population is observed to be more prone to getting affected by dental diseases. According to the Global Burden of Disease Study 2017, around 2.3 billion people suffer from caries of permanent teeth globally. Moreover, around 530 million children suffer from caries of primary teeth. Dental caries (tooth decay), periodontal (gum) disease, and oral cancer are some of the popular diseases affecting a significant percentage of the global population. 

Regular brushing and flossing can help people in keeping their teeth pearly whites shining. Despite that, regular dental checkups are crucial for extra-cleaning and recognizing the problems that go unseen. Regular visits to the dentist can cost a significant amount of money. Thus, dental insurance is as necessary as a health insurance plan. Enrolling in dental coverage can save significant costs and help patients stay fit and healthy.

Who offers this insurance?

Governments across various countries are helping people to help avail dental insurance coverages. For instance, the Indian government introduced a scheme named “Ayushman Bharat,” which aims to offer cashless care to the population. This Insurance is also covered in this scheme. 

Aetna Inc., AFLAC INCORPORATED, Allianz, Ameritas, AXA, Cigna, Delta Dental, and MetLife Services and Solutions, LLC, are the other prominent companies offering insurance policies to the public demands. 

Future Prospective

Due to growing oral diseases and public awareness, the demand for customized dental insurance is significantly increasing. Companies are also launching customizable policies with the aim to cater to the growing demands of the population. For instance, In 2021, Aflac, a prominent provider of supplemental insurance products, launched Aflac Dental and Vision Insurance. Through this expanded coverage, the company will offer crucial benefits to the consumers to stay competitive in the industry.

On June 19, 2019, Delta Dental announced the launch of the Delta Dental Institute. It is considered the first national organization aiming to spotlight the importance of oral health. The Delta Dental Institute places emphasis on the importance of oral health and its impact on the overall health of the individual. Moreover, it plans to conduct research, outreach, and advocacy to help all Americans make informed oral health decisions.

Recognizing the potential scope of the dental insurance industry, Astute Analytica estimates that the global dental insurance market will grow at a compound annual growth rate (CAGR) of 8.0% during the forecast period from 2021 to 2027. 

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