I came across this article on Dental Insurance, it gives a good overview of Dental Insurance.
Let us first understand the idea of dental insurance.Â Dental insurance is a type of insurance in which a person buys a dental insurance plan by paying a monthly or annual premium to a dental insurance company...
In turn the dental insurance company provides dental insurance coverage against dental costs.Â That is if there are any dental costs borne by the insured during the insurance period, the dental insurance company will reimburse the costs incurred by the insured.
Most of the health insurance provided today has dental insurance provided in it. So usually there is no need to buy a separate dental insurance. If your medical or health insurance does not provide dental insurance , you can obtain dental insurance in your health insurance by increasing your premium by a small amount. There are tax benefits also for going for this type of dental insurance plan . In the united states, the premium you pay for health insurance is straightaway deducted from the taxable income, thereby you end up paying lesser taxes .Â