Do you have dental insurance but feel unsure how to use it? It’s okay; you’re in good company. Many patients struggle to understand the terminology and benefits of their plan. This can make using it feel overwhelming and frustrating at times. However, if you want to save more at the dentist, here are 4 helpful things to remember so that you get the most out of your insurance and avoid unexpected costs.
Dental Insurance Primarily Covers Preventive & Restorative Treatment
Dental insurance companies care about your oral health. They want you to avoid common problems that might require more extensive and costlier treatment. This is why they primarily cover preventive and restorative services. No two plans are the same, but a typical breakdown of coverage might include 80-100% preventive treatment and 50-80% minor or major restorative treatment.
Cosmetic dental services are considered nonessential, so they won’t be covered unless there’s a clear exception.
You Must Meet Your Deductible Before Your Insurance Company Pays More
Your plan likely includes a deductible, the amount you must pay before your insurance covers any or all of your services. This is usually a minimal amount; however, it’s important to meet it as early in the year as possible. That way, if you need more advanced dental care, your insurance will have to cover more of the cost.
Most Dental Plans Are Good For One Year
When you sign up for dental insurance, benefits are usually only good for a single calendar year. You and your dentist can discuss ways to maximize your available funds before time runs out. On January 1, your plan may be renewed, but your deductible will reset to $0, and any remaining funds from the previous year will be returned to the insurance company.
Throughout the year, make sure to schedule (and keep) your biannual appointments, as they are often covered in full. Also, if you need a dental crown, root canal, or oral surgery, complete treatment before December 31 to keep more of your hard-earned money.
Some Dental Insurance Plans Have Waiting Periods
Why do some dental insurance plans have waiting periods? This common component is often imposed to prevent clients from enrolling in a policy, using its benefits for an upcoming procedure, and then canceling it immediately afterward. Waiting periods can range from six months to one year, meaning you will need to wait to receive restorative treatment until after that time.
Now that you know a bit more about how to use your dental insurance, you can see it isn’t as complicated as you might think. If you have questions about your coverage or how to use it to reduce out-of-pocket costs, don’t hesitate to contact your dental team.
About the Practice
At Williamsburg Dental, trusted experts help build healthy smiles that last a lifetime. Our team’s extensive educational and professional backgrounds come together to provide patients with the most advanced, comprehensive, and personalized treatment options. You can enjoy a calm, welcoming environment and plan to save, thanks to our affordable dental solutions. If you need help understanding your insurance plan, visit our website to schedule a consultation.