In this video, we explain the distinction between dental insurance and medical insurance in the United States:

• Dental insurance covers dental care and is a separate policy from medical insurance, including separate premiums and deductibles.

• Similar to medical insurance, you pay a monthly premium for dental insurance, and in return, the insurance company assists in covering various dental expenses. This includes regular check-ups, cleanings, fillings, root canals, and addressing dental issues.

• However, a significant difference between dental and medical insurance lies in how the coverage works. With medical insurance, you typically pay first through deductibles and out-of-pocket maximums, and then the insurance company pays. In contrast, dental insurance operates in the opposite manner. The dental insurance company provides a set annual amount, often around $1000 or $1500, which you can use for your dental care. Once you've utilized that amount, you are responsible for covering any expenses exceeding that sum.

• This distinction highlights the need to understand the specific terms and conditions of your dental insurance policy to effectively manage your dental care costs.