How dental insurance is treated as a benefit and what it should cover

What should the dental health benefit cover?

The coverage of a basic dental plan is defined by the National Supplementary Health Agency (ANS), through the List of Procedures and Health Events.

This regulation guarantees a minimum number of services, ensuring the quality and safety of the services offered.

Procedures such as consultations, diagnostic exams, periodic cleanings and restorations are part of the mandatory coverage in the conventional dental plan.

These items are essential for maintaining oral health and preventing more serious problems.

However, a good oral health plan goes beyond the minimum requirements set by the ANS. It offers a broader range of services, ensuring beneficiaries' peace of mind in a variety of situations.

It is essential to analyze the plan coverage to understand which treatments are included.

A comprehensive plan, for example, may offer coverage for more complex procedures, such as surgeries and prosthetics.

For many, choosing a dental plan is based on the search for aesthetic treatments.

In these cases, procedures such as teeth whitening and contact lenses may be included in more robust plans.

Orthodontic coverage is also an important differentiator, especially for families with children and teenagers.

A good plan can include documentation and maintenance of the device, easing the family budget.

Oral health reflects overall health. Dental problems can be linked to heart disease and diabetes, highlighting the importance of regular checkups.

One dental plan An efficient service must be accessible and have a broad network of accredited professionals. Ease of access is crucial for the benefits to be truly realized.

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Why is oral health a strategic investment?

Oral health is one of the pillars of well-being. Neglecting your teeth and gums can lead to problems that affect your overall health, negatively impacting your personal and professional life.

A good example of this is difficulty chewing food, which can cause digestive and nutritional problems. Chronic toothache also affects sleep, concentration, and mood.

According to a recent survey, around 501% of Brazilians have not visited the dentist in the last year.

This worrying fact reinforces the need to raise awareness about the importance of regular care.

THE dental plan acts as a preventive tool, encouraging periodic check-ups.

Regular follow-up prevents small problems from turning into major headaches and expensive treatments.

It's like having insurance for your home: you take care of preventive maintenance to avoid major repairs in the future. An oral health plan is preventive maintenance for your smile.

Companies that offer this benefit invest in the productivity of their employees.

Oral health is a fundamental component of well-being.

An employee with good oral health is less likely to miss work due to pain or emergency procedures.

Basic Coverage (ANS List)	Extended Coverage
Cleaning (prophylaxis)	Teeth whitening
Resin restorations	Dental implants
Root canal treatment	Orthodontic appliances
Simple extractions	Prosthetics (dentures, bridges)
Radiographs (periapical)	Highly complex surgeries

The table illustrates the difference between mandatory minimum coverage and a more comprehensive plan. Choosing the dental plan ideal depends on the needs and possibilities of each person or company.

Neglecting your oral health is like ignoring a warning light on your car. It may seem harmless at first, but it can lead to irreparable damage and much higher costs down the road.

After all, why wait for pain to seek help?

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Conclusion

Oral health is a fundamental component of well-being and quality of life.

THE dental plan It is no longer a luxury and has become an essential benefit, both for individuals and companies.

Offering or purchasing a good oral health plan is a smart investment. It promotes prevention, treatment, and self-esteem, positively impacting all aspects of life.

The dental plan market is constantly evolving, with increasingly personalized options to meet different profiles.

The ideal choice should always take into account coverage, accredited network and cost-benefit.

By prioritizing oral health, we are building a healthier, happier future, one smile at a time. The decision to invest in a dental plan is a crucial step on this path.

++ Find out which procedures your dental plan must cover!

Frequently Asked Questions

1. What is the List of Procedures and Events in Health?

It is the list of procedures, exams and treatments that all health and dental plans must cover, as defined by the ANS.

2. What happens if my dentist is not in the accredited network?

In general, dental plans allow reimbursement for consultations and procedures performed by non-accredited professionals. It's important to check the terms of your contract.

3. Does a dental plan cover cosmetic procedures?

Not all plans offer coverage for cosmetic procedures. It's essential to check the coverage list of the plan you intend to purchase to confirm.

4. Can I include dependents in my dental plan?

Yes, most plans allow you to include dependents, such as children and spouses. The conditions and costs for this inclusion vary by provider.

Written by Enrique Medeiros

Born in southern Brazil, with over 7 years of experience, I'm passionate about words and digital strategies. My background in Hospitality and Tourism gave me the foundation to understand connections and narratives, but it was in SEO and writing that I found my true calling. As an SEO editor, I transform ideas into optimized content that engages and achieves results. Outside of work, I love to travel, explore new cultures, and use these experiences to inspire my writing. My journey is marked by curiosity, adaptation, and the constant search for stories worth telling.

Updated August 6, 2025

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