Dental insurance is a valuable asset that helps you maintain good oral health while keeping costs manageable. However, navigating your dental insurance plan can sometimes feel overwhelming. Many people don’t fully understand their coverage and end up missing out on benefits they’re entitled to.
Knowing your benefits can help you avoid surprises when it comes time to pay the bill. To help you make the most of your dental insurance, here are some tips to keep in mind.
One of the best ways to maximize your dental insurance is to choose a provider who is in-network with your plan. In-network dentists have agreed to accept your insurance’s contracted rates, which typically means lower out-of-pocket costs for you.
If your preferred dentist is out-of-network, don’t give up! Research your plan’s out-of-network benefits. Some plans offer coverage for out-of-network care. However, they may pay a lower percentage than they would for in-network services. At this point, it is a good idea to talk to your provider about how they can work with you and your insurance carrier.
Dental insurance plans vary widely in terms of what procedures they cover and at what percentages. Before undergoing your dental treatment, be sure you understand how your insurance will apply.
For example, a plan may cover preventive services at 100%, basic procedures like fillings at 80%, and major procedures like crowns at 50%. However, some plans may have waiting periods for certain treatments or may not cover certain procedures at all. Reviewing your plan’s summary of benefits or talking to your insurance provider can help clarify your coverage.
Dental insurance plans typically have an annual maximum – the total amount the plan will pay out for covered services in a year. Once you’ve reached this maximum, you’re responsible for any additional dental costs until your benefits renew.
Knowing your plan’s annual maximum can help you strategize your dental care. If you anticipate needing extensive dental work, you may want to space out treatments over multiple plan years to maximize your benefits. Your dentist can help you create a treatment plan that takes your insurance coverage into account.
If you have a health savings account (HSA) or flexible spending account (FSA) through your employer, don’t let those funds go to waste. These accounts allow you to set aside pre-tax dollars for healthcare expenses, including dental care.
HSA and FSA funds can be used to cover copays, deductibles, and other out-of-pocket dental costs. Some plans even allow you to use these funds for over-the-counter dental products like toothbrushes and floss. Be sure to check your specific plan’s guidelines for eligible expenses.
Most dental insurance plans cover preventive services like cleanings, exams, and x-rays at 100%, meaning you pay nothing – or very little – out of pocket. These preventive procedures are invaluable in preventing dental problems like tooth decay or catching issues early on.
To make the most of your insurance, be sure to schedule your two annual check-ups and cleanings, as well as any covered x-rays. Not only will this help you maintain good oral health, but it also ensures you’re getting the full value of your insurance benefits.
When it comes to dental issues, many people don’t truly appreciate just how costly procrastination can be. Delaying treatment for a small cavity or gingivitis can allow the problem to worsen, requiring more extensive (and expensive) procedures down the line.
If you have a dental concern, schedule an appointment right away. Most dental insurance plans cover a significant portion of the cost for fillings, root canals, and other restorative treatments. By addressing problems early, you can take advantage of your insurance benefits and prevent more serious issues from developing.
Even with dental insurance, some procedures may come with significant out-of-pocket costs. If you need extensive dental work, ask us about financing options. By spreading out the cost of treatment over time, financing can help you get the care you need without breaking the bank.
If you have questions about your dental insurance or are due for a check-up, don’t hesitate to call our office. We are here to help you navigate your benefits and get the care you need.
