Dental insurance can be helpful in reducing the cost of your dental treatment; however, it's important to understand a few things about it so you can make the most of your benefits.
When benefits usually expire
Most plans run on a calendar year, which means they start in January and end in December. Typically your plan will have a deductible in the range of $50 to $150 to be paid before any major dental procedures are covered. Most plans have a yearly maximum amount that they will pay for preventative care and major procedures throughout the year, which varies for each plan. Unfortunately, these dollars don't roll over into next year's plan, so if you don't use them, you'll lose them.
What is usually covered
Many plans cover most if not all of your preventative appointments. This means that there is very little out-of-pocket cost to you when you visit your dentist every six months. These appointments are your best opportunity to prevent many dental concerns such as gum disease, oral cancer, tooth decay, and cavities, so it is in your best interest to utilize your benefits and consistently attend your six-month cleaning and checkups.
We're here to help! If you aren't sure what your benefits cover, or you have questions about possible out-of-pocket costs, please contact our office.