Q: دوره انتظار (Waiting Period) چیست؟

خیلی از طرحهای خصوصی برای شروع بعضی پوششها یک دوره انتظار تعیین میکنن. مثلاً خدمات پایه بلافاصله فعال میشن، اما خدمات پیشرفته مثل روکش یا ارتودنسی ممکنه ۶ تا ۱۲ ماه بعد از شروع بیمه پوشش داده بشن.

Question 1

How Do You Know If You Need Dental Insurance?

Accepted Answer

Dental care can be expensive for many families. If you don’t have access to a government plan or if your employer’s health insurance doesn’t include dental coverage, a private dental insurance plan can help. It’s especially useful for people who need regular dental care or want protection against unexpected dental expenses.

Question 2

Does Dental Insurance Cover Braces (Orthodontics)?

Accepted Answer

Some plans do, but there are usually conditions such as age limits, maximum coverage amounts, or waiting periods for orthodontic services.

Question 3

Is Wisdom Tooth Extraction Covered by Insurance?

Accepted Answer

Depending on the plan you choose, wisdom tooth extraction may be covered. Some plans include basic procedures such as simple tooth extractions, while more complex surgeries (like impacted wisdom teeth removal) are usually covered under more comprehensive plans. You should also note that a waiting period may apply before coverage begins, and in some cases, reimbursement is limited to a specific maximum amount, with the remaining cost paid out of pocket.

Question 4

What Services Does Dental Insurance Cover?

Accepted Answer

Depending on the plan you choose, dental insurance may cover a variety of services, including:
 • Routine exams and cleanings
 • Fillings and basic restorative treatments
 • Gum treatments
 • Crowns and bridges
 • Dentures and implants (in some plans)
 • Orthodontics (braces for children and sometimes adults)

Question 5

Are All Dental Services Covered?

Accepted Answer

No. Cosmetic procedures such as teeth whitening are typically not covered. In addition, certain advanced treatments may have annual limits or specific restrictions.

Question 6

What Does Annual Coverage Limit Mean?

Accepted Answer

Each dental insurance plan has a maximum amount it will pay per year. For example, a plan might cover up to $1,500 annually. Any expenses beyond that limit must be paid out of pocket.

Question 7

دوره انتظار (Waiting Period) چیست؟

Accepted Answer

خیلی از طرح‌های خصوصی برای شروع بعضی پوشش‌ها یک دوره انتظار تعیین می‌کنن. مثلاً خدمات پایه بلافاصله فعال می‌شن، اما خدمات پیشرفته مثل روکش یا ارتودنسی ممکنه ۶ تا ۱۲ ماه بعد از شروع بیمه پوشش داده بشن.

Question 8

What Are Deductible and Co-payment?

Accepted Answer

Deductible: The initial amount you must pay out of pocket before your insurance coverage begins.
Co-insurance: The percentage of costs shared between you and the insurer. For example, the insurance may cover 80% of a filling, and you would pay the remaining 20%.

Question 9

Are Dental Implants Covered by Insurance?

Accepted Answer

In some comprehensive plans, dental implants are covered, but usually with specific limits and conditions. To be certain, you should review the details of your plan.

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Dental Insurance

Dental insurance helps you manage the cost of dental care and treatment more easily, reducing your financial burden.

Dental Insurance FAQs

How Do You Know If You Need Dental Insurance?

Does Dental Insurance Cover Braces (Orthodontics)?

Is Wisdom Tooth Extraction Covered by Insurance?

What Services Does Dental Insurance Cover?

Are All Dental Services Covered?

What Does Annual Coverage Limit Mean?

دوره انتظار (Waiting Period) چیست؟

What Are Deductible and Co-payment?

Are Dental Implants Covered by Insurance?

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