Nowadays, dental insurance is an essential investment in your oral health, providing coverage for a range of dental services and treatments. However, navigating facts, figures, and terminology can be daunting. With multiple options for plans, coverage, and terms to consider, many patients look for professional advice before purchasing their benefits.
Keep reading to learn some key factors and phrases about dental insurance to ensure you make an informed decision.
Coverage Options
Dental insurance plans typically offer coverage for preventive, basic, and major dental services. Preventive services like cleanings and exams are often fully covered or require minimal out-of-pocket costs.
Basic services such as fillings and extractions may be covered at a percentage, while major services like crowns and root canals may have higher co-pays or waiting periods.
It’s important to know and understand the coverage options and limitations of each plan to determine which one best suits your needs.
In-Network vs. Out-Network
Most dental insurance plans have a network of preferred or “in-network” providers who have agreed to accept negotiated fees for covered services. Visiting an in-network provider can help you save on out-of-pocket costs compared to out-of-network providers.
Before purchasing dental insurance, check if your dentist is in-network and consider the availability of in-network providers in your area.
Annual Maximum Benefits
There is often an “annual maximum benefit” associated with dental insurance plans. This is the maximum amount the plan will pay for covered services within a calendar year. Once you reach the annual maximum, you’ll be responsible for covering other costs out of pocket. Because of this, it’s best to consider your expected dental needs and choose a plan with a maximum benefit that aligns with your budget.
Deductibles and Co-Payments
The final basic piece of the dental insurance puzzle involves “deductibles” and “co-payments.” A deductible is the amount you must pay out of pocket before the insurance plan begins to pay for covered services.
Co-payments are the fixed amounts you’re responsible for paying for each service received. Be sure to read the deductible and co-payment requirements of each plan and consider how they fit into your budget.
Purchasing dental insurance is an important decision that requires careful consideration. Take the time to compare different plans, ask questions, and seek guidance from insurance representatives or your dentist to ensure you select the right dental insurance plan for you and your family. With the right insurance, you’ll be gaining more for less!
About the Author
Dr. Lewis understands the frustration of buying and using dental insurance. That’s why at Allen Smile Design, she and her team strive to guide you through your coverage to get you the care you need. She’s a graduate of the Howard University College of Dentistry and strives to educate her patients on good practices for both their teeth and their paperwork. Call (972) 954-9728 to schedule an appointment and visit the website to explore dental insurance providers.