Dental insurance is essential to allow you to take pristine care of your teeth. Regular dental cleanings are absolutely vital in protecting your smile. Most dental plans cover 100% of preventative visits, in order to prevent significant oral health problems from occurring. Here are 6 things you need to know about your dental insurance plan.
1. Prevention Oriented
Dental insurance plans tend to be prevention oriented. Proper preventative care can help eliminate the need for complex, expensive procedures. Though sitting through a dental cleaning may not be the most comfortable thing, it is the least painful for you and your wallet.
2. Family Plans
Family plans tend to be a more inexpensive option than individual plans. Having multiple people on one plan can make you eligible for discounts and other bonuses. If you intend to purchase an insurance plan, it may be ideal to look into coverage for the whole family.
3. Annual Maximums
Your annual maximum is the amount of money your insurance plan will pay for dental procedures throughout one year. This typically resets at the beginning of the year. If you don’t use all of the maximum throughout the year, these benefits are lost.
Most plans come with a deductible. A deductible is the amount of money you have to pay before your insurance benefits kick in. Like the annual maximum, this typically resets at the beginning of the year.
5. Costly Procedures
Dental insurance plans usually only cover 50% of complex procedures. This is one of the reasons preventative care is so important. These procedures can be extremely expensive and your insurance can significantly cut down the price.
6. Care Plan Vs. Dental Insurance
Many dentists offer care plans in lieu of dental insurance. These plans provide significant discounts on dental services, but do not cover them completely. If dental insurance is too costly, it may be beneficial to obtain a care plan.
Your insurance plan can be absolutely vital in protecting your oral health. Ensure that you know all of the facts regarding your particular insurance plan. To schedule your preventative dental exam, contact us at Avenues Family Dentistry today!