If you have dental insurance benefits, do you take advantage of them? Some people do not even realize what their benefits cover. It is no secret that some dental procedures can require a significant financial commitment. Paying for these without insurance could be difficult. You also want to use your benefits to their fullest so that you do not miss out on any coverage.
Many employers offer dental insurance in their benefits packages. People can also purchase dental plans on the insurance marketplace. Most plans will cover semiannual wellness checkups at 100%. This will include an examination and teeth cleaning for patients of all ages. It is also common to find plans that cover sealants for children at no cost to the policyholder. Insurance plans also help pay for procedures such as oral surgery, restorative care and X-rays.
Too many dental patients are unaware of what dental insurance benefits they have. Being in the dark about this coverage can bring unwelcome surprises when bills come. Plus, some people may shy away from getting some treatments, thinking there is no coverage for them. Before going to the dentist’s office, patients should study the insurance plan and understand what it includes. People need to know about monthly premiums, annual deductibles and out-of-pocket maximum costs. Patients should know what percentage the plan covers for certain services.
Because examinations will not cost insured patients a dime, there is no reason not to make an appointment twice a year. These valuable appointments establish good oral health habits. The hygienist will clean and polish the teeth. Plus, the dentist will take a look at the teeth and gums, noting any emerging concerns. Patients can learn a lot from these appointments without having to worry about any financial implications.
It is becoming more common for dental insurance benefits to cover some orthodontic work. Insurance companies will typically pay a certain lifetime amount for treatment per patient on the plan. This amount will usually vary. However, the financial benefits of using dental coverage when visiting the orthodontist are clear.
Dental plans ordinarily cover a maximum amount of work up to a certain cost. When a person has not used that full amount before the end of the year, it is good to get some additional treatment. These limits do not carry over to the next year. So, if a plan covers up the treatments, it may make sense to do some teeth whitening or get that needed crown.
You should not have to stress out about the money you spend on oral health care. With dental insurance benefits, you can get the financial help you need for vital treatments. If you are confused about your coverage, call your insurance company today. Then, make an appointment with the dentist so you can stay on top of your health.
Request an appointment here: https://davisanddingle.com or call Davis & Dingle Family Dentistry at (803) 567-1804 for an appointment in our Columbia office.
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