What Are Premiums and Deductibles?

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As you are probably aware, you are paying a monthly premium for your dental benefits. Premiums are what you pay the company to carry your coverage. If you are paying your dental benefit premiums every month, you should certainly use your benefits. Whether or not anyone in your family has a dental problem, every family member should have regular dental cleanings to help prevent and detect early signs of cavities, gum disease, oral cancer or other problems. If you have dental benefits, the coverage can helping in offsetting additional expenses for your family’s dental treatment.

What is a deductible?
The deductible is the amount of money that you pay out-of-pocket before your benefits company will pay for any dental services. Deductibles vary from one plan to another; however, the average deductible for a dental insurance plan is around $50 per year. Your deductible starts over when your plan rolls over.