How to Best Utilize Your Dental Insurance?

How to Best Utilize Your Dental Insurance?

Posted by ROBERT A SAUNDERS DDS PC & BRITTANY C KROG DDS on Apr 18 2021, 09:15 PM

Do you know whats makes an average American skip their regular dental check-up other than dentophobia? It's the concern of spending too much on dental care. As a result, 1 in 4 adults in the US has untreated tooth decay issues.

Ignoring preventive measures can cost you your oral health. So, how to maintain your oral health without affecting your budget plan? The answer is dental insurance.

Dental Insurance refers to the cover provided for major dental procedures, except cosmetic dentistry. If you have dental insurance, it is important to understand your dental benefits to get the maximum benefits. 

Here are four tips to make maximum out of your dental insurance:

Understand what is covered and what is not

The most common dental plan coverage is a 100/80/50 plan, where:

  • Diagnostic and preventative procedures like dental cleanings, visual examinations are covered at 100%. 
  • Basic procedures like periodontal processes, fillings are covered at 80%.
  • Complex procedures are covered at 50%.
Remember, this can vary between various insurers. So, know your insurance plan benefits well. 

Stay in the network. 

Stay in your dental insurance network. You may have to pay a certain amount on a monthly or yearly basis for these memberships.

  • A Health Maintenance Organization (HMO) network offers several doctors' and hospitals' access within its network with special discounts. 
  • A preferred provider organization (PPO) is a medical care arrangement in which medical professionals from the preferred providers are available at a reduced rate.

Schedule your dental process in a smart way.

Dental insurance can be subjected to waiting periods or deductibles. So, schedule your appointments smartly. For example, if you have to undergo dental fillings and crown placement as per your dentist's recommendation, doing both these procedures at once can max out your dental insurance benefits.

So, consider when your year insurance benefit is going to renew. In most cases, it's January first, the first day of the year. If it's not an emergency, get the filling procedure around November and opt for the crown in the January of the next year. This will double the coverage at your disposal.

Go for discount dental plans.

Go for dentists offering special discounts for dental procedures. This can be anywhere from 10 to 30% depending on your dentist or dentistry. Want to know more about dental insurance plans and discounts offered by Robert Saunders & Krog? Book a consultation with us now! 

Even though dental insurance can help you from drooling out cash for dental procedures, 4 out of 10 Americans don't have dental insurance, which is an important thing to consider. And also, consider the above factors during your dental appointments for the best savings!


 



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