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Affordable dental Insurance like any other health insurance does not cover pre-exisiting conditions. There are some annual limits on your spending upto which your dental fee claims will be honored. Many of the more complex and expensive conditions are usually not covered. Unless you are willing to pay a higher premium cosmetic dentistry is usually not covered under dental insurance.
One more thing is that affordable dental insurance is different in application from a health insurance. The dental cover is usually geared to provide preventive care and regular dental visits. You don't need expensive testing equipment or multiple resources for high quality care at your dentist's office. All you need is complete examination and some x-rays (if at all needed) to diagnose problems. Most dental problems can be handled by a general dental practioner. Very rarely are the services of specialist like orthodontist or peridontist or a cosmetic dentist is required.
Most dental diseases are preventable. Your dental insurance is usually designed to encourage that the patients get the regular, routine care. This is very important to prevent major dental problems and to diagnose the onset of serious dental diseases. Preventive care and cover that reasonable amount dental cover for most of your needs should be the basis (not just the cost) on which you buy your affordable dental insurance.
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