Dental insurance is a type of health insurance designed to cover a portion of the costs associated with dental care. It typically includes preventive care, such as routine check-ups, cleanings, and X-rays, which are often covered at 100%. Basic procedures like fillings and extractions may be partially covered, while more complex treatments, such as root canals and crowns, usually involve higher out-of-pocket costs.

Dental insurance plans generally operate within a network of dentists, and policyholders often pay a monthly premium along with a deductible and co-payments for services received. Coverage limits are common, where insurers cap the annual benefit amount to control costs. Essential terms to understand include “in-network” versus “out-of-network” providers, which affects the direct costs incurred by the patient.

A hospital indemnity plan is a type of supplemental insurance designed to provide cash benefits to policyholders in the event of hospitalization. This plan pays a predetermined amount per day or for certain hospital services, regardless of other health insurance coverage. The funds can be used to cover out-of-pocket expenses related to hospitalization, such as deductibles, copayments, or everyday living costs while the policyholder is unable to work. The focus is on financial support during a hospital stay rather than covering the medical expenses directly, allowing policyholders to have more flexibility in managing their healthcare costs.