Dental insurance might seem like a daunting subject to some of our patients, but it’s actually a breeze when compared to medical insurance. Below Audubon Dental Center goes over a few things you should know about the way that dental insurance operates.
1.) You Have Options
Whether you have a dentist in mind or you don’t have a dentist at all, you can still choose from any dentists within your network and opt for a less expensive plan.
2.) You’ll Pay Significantly More to Use a Dentist Outside Your Network
If you insist on having a dentist who is outside of your network, chances are you’re going to pay a lot more month-to-month, which will reduce your chances of coming out ahead at the end of the year.
3.) There Are Often Waiting Periods for Major Procedures
Many dental insurance policies would like to see some commitment from patients before covering cumbersome dental procedures, sometimes ranging from 6 months to up to 2 years. Insurance companies like to cover their bases to ensure that customers don’t simply buy insurance just before undergoing a major procedure.
4.) Know Your Copay and Your Deductible
Your co-pay has to do with paying a set dollar amount for each dental visit while your deductible has to do with a minimum amount that must be paid by you before your dental insurance kicks in and starts paying. It’s important to know the ins and outs of your policy before you sign on the dotted line.
5.) Know Which Treatments Are Covered
Dental procedures can generally be broken down into 3 different categories: Preventative, Basic, and Major. For instance, most dental insurance plans will end up covering preventive treatments like semi-annual dentist visits, cleanings, x-rays, and dental sealants. More major treatments like inlays, onlays, bridges, crowns, etc. are going to have a higher co-pay. Make sure to take note of whether or not your insurance carrier considers root canals to be a major or basic procedure.
If you have any questions about how dental insurance works, don’t fret. We can help. Audubon Dental Center has a diverse patient base and we have a long history of creating movie star-caliber smiles.