Dental insurance can be a great addition to your health care plan, but the way benefits are calculated can also make it a confusing one. If you have dental insurance, you might wonder how you can make the most of your benefits.
Know Your Benefits
Figuring out what insurance will and won’t pay for, what percentage of a procedure is covered, what the insurance company considers an allowable fee, when you have covered your deductible for the year ... these calculations are often bewildering. It’s helpful to call our office and check with your insurance provider to learn the final cost of any treatment, and how much, if any, will be covered by your insurance.
If you have dental coverage, it might impose limits on the kind and number of procedures allowed during a calendar year (for example, exams covered two times in a calendar year / one time every six months / one time in 12 months). You could also have yearly maximum benefits or lifetime maximum benefits, after which your expenses will be out of pocket.
Use Your Benefits
Don’t lose benefits you have paid for! If you have not used your benefits, the time to do so is before the end of the insurance period (which may or may not be the end of the calendar year). When your dental plan re-starts, you will be paying for these unused benefits all over again.
Similarly, if you have used your insurance and covered your deductible for the year, it makes sense to schedule your appointments before a new year brings a new deductible you will have to meet.
If you qualify for a certain number of preventive services such as checkups and cleanings, you should always take advantage of this benefit: not only to find possible dental problems, but to prevent them.
And, if you have set up a Flexible Spending Account (FSA) to cover medical and dental expenses for the year, be sure to use the money in the account, or you might lose it at the end of your year’s coverage.
You should be able to take full advantage of any dental insurance plan you have purchased, because you deserve to get every benefit you have paid for. We are here to help you work with your insurance company in any way we can.
Our goal is the same as yours: ensuring dental health for you and your family!