Understanding How Dental Insurance Works
You can get the most out of your dental insurance plan when you understand how it works, like when you’ll need to pay out-of-pocket and when your plan will restart. There are a few important terms that you should know to navigate your policy as well, including deductible and maximum. Your deductible is the amount of money that your insurance will require you to pay out-of-pocket before your benefits kick in, and your maximum is a capped-off amount of money that your insurance company will pay out for your treatments over the course of a calendar year.
It’s also important to know that most dental insurance plans renew on January 1st of each year, meaning your deductible and maximum will reset, and your premium (which is the monthly or annual amount that you pay for coverage) will likely change due to fluctuating fees.
What Does Your Dental Insurance Plan Cover?
No dental insurance plan is made equal, so if you’re trying to find out whether yours covers a specific treatment, we recommend contacting your insurance company directly to ask. That being said, many companies determine coverage based on a 100-80-50 structure. This means that they cover 100 percent of preventive care, 80 percent of basic treatments, and 50 percent of more invasive treatments.
We Offer In-Network Savings & Welcome Out-of-Network Providers
Our team is proud to be in-network with several dental insurance plans, and we’re also happy to file claims on our patients’ behalf to make sure they’re able to maximize their benefits. Our goal is to minimize our patients’ out-of-pocket costs and make affording the high-quality dentistry they need easier.
