Dental insurance plans as the name suggests covers issues related to oral health. In US for some reason, dental insurance is a separate thing.
Most dental plans that you can pick from cover basic expenses related to your overall oral health. This may include basic and some advanced services offered by your dentist or your oral healthcare provider. These plans usually has their own premiums, co-pays, deductibles and coverage limits.
Note that this person is different from your PCP (Primary Care Physician).
Dental coverage is available one of two ways:
- Healthcare plans that include (bundled) dental coverage. In this case one premium covers both health and dental coverage.
- Stand alone dental plans can be looked into in certain situations. As you may have guessed, there will be two separate premiums in this case.