Georgia consumers should know that all dental insurance policies differ, so you should check coverage limits to find out exactly what is and what is not covered in their unique cases. Dental insurance does not work the exact same way as health insurance. That’s why dental insurance is significantly less expensive than health insurance.
Given the high cost of dental work, having a dental plan can provide Georgia residents with peace of mind. With quality dental insurance, Georgia consumers can receive dental coverage for anything from routine exams, annual x-rays and cleanings to more complicated procedures such as root canals, wisdom teeth removal and other extractions.
In addition to dental check-ups and dental x-rays, dental insurance may cover crowns, root canals and more complicated repair work. It is possible that dental insurance policy holders may be responsible for paying a deductible before coverage will kick in for some procedures and the plan will pay a certain percentage of more complicated procedures.
While most dental plans cover basic dental work and preventative procedures, there are some plans that may not provide comprehensive coverage, particularly for cosmetic procedures such as Invisalign, veneers and dental implants.
When enrolling in an Affordable Care Act Marketplace plan, please note that the on exchange options for dental insurance generally include very basic coverage and these plans are not subsidized by an Advance Premium Tax credit (an APTC, also known as monthly federal assistance
Stand-alone vision insurance is offered by VSP, but some dental plans may have auxiliary benefits that include both dental and vision