Now that the New Year is here that means most dental insurances have renewed. That means now is the best time to get to know what your plan has to offer and make sure to take advantage of all of your benefits.
Dental insurance may seem tricky to understand so we will go over some of the basics here. Things like your annual maximum, deductibles, and what is considered preventative. As always if you have more questions our staff is always available to answer any questions you may have.
Your annual maximum is the maximum amount your insurance will pay towards dental treatment for a 12-month period. There are some exceptions such as preventative care. Usually most (not all) insurance companies do not count preventative care towards your annual maximum. This is because they recognize that routine preventative care can save them money in the long run. Preventative care is usually a periodic exam with the Dentist, regular cleanings, and xrays. Since these generally don’t count towards your annual maximum not doing them is essentially letting go of free money!
Some or most insurance plans have an individual and family deductible that has to be met prior to coverage starting. Most of the time the deductibles are reasonable, around $50 for an individual and $150 per family. Once you meet your deductible for the year it is best to try and get all of the work completed that you can with your annual maximum. While cosmetic/elective dental procedures are often not covered by your insurance, there are still a lot of things that are.
Our team will always go over your treatment plan with you so you know what to expect and there are no financial surprises. We also accept FSA/HSA and provide a discount if paying in cash up front. We are also partnered with Care Credit for your financing needs. Call us today to get scheduled for your check up and start putting those benefits to use.