If you receive dental insurance from your employer, you generally have more access to your most essential dental treatments because they become more affordable and predictable. In fact, it’s one of the better ways to keep your smile healthy for you and your family. You can also avoid unnecessary stress and higher costs caused by dental problems. With that said, many people still don’t quite understand how to maximize benefits. That’s why we’ve decided to highlight a few of the most important facts to know below!
Many people assume that they only need to use their dental insurance once a dental emergency occurs, much like how medical insurance is used. However, the opposite is actually true. While medical insurance is generally used when a serious injury occurs or an illness develops, dental insurance is meant to be used on a regular basis, or every six months. It covers most forms of preventive care, particularly exams, cleanings, X-rays, and sometimes fluoride therapy. Ahead of your treatment, we’ll ensure that you understand your coverage so you aren’t surprised by out-of-pocket costs.
While every dental plan will be unique and come with its own stipulations, most plans will cover dental services in the same way. Typically, you can expect coverage to vary when paying for preventive, minor restorative, and major restorative services, as broken down below:
Choosing a dentist that is “in-network” with your insurance plan simply means they have agreed to a specific contract with that insurance provider. It also means they have agreed to charge a specific rate for dental treatments that the insurance company has established. However this doesn’t mean using an out-of-network plan isn’t affordable as well. In fact, because of our fair dental fees, the savings can be comparable in certain cases.