What are limitations and exclusions?
Although many people may not be an insurance expert, it is still important to know what your needs are, and if the insurance plan you are considering paying for is going to be suitable for those needs.
As an example of limitations: If you have periodontal (gum) disease like 47% of adults in the U.S., then you may be require more frequent, cleaning’s. Many plans only cover two cleaning’s a year of any kind. Furthermore, on many PPO’s and free choice of provider plans will consider a periodontal cleaning under class II or class III and waiting periods may apply.
Say you are wanting a dental insurance plan for dental implants. Sadly as of today many dental insurance plans still do not provide benefits for dental implants and that would be and example of an exclusion.
Take your time when reviewing each plan and remember at CaliforniaDentalInsurance.com our member service line at 310-534-3444 would be happy to help you with the available plan options if you have any questions.