Dental insurance can be complicated, but just like general health insurance, it is important to understand the coverage, benefits and out-of-pocket costs associated with your plan.
Understanding Your Coverage
Your dental insurance should cover necessary dental maintenance and emergencies. For example, it is uncommon for insurance to cover for teeth whitening services. The plans layout what is considered protocol on an annual basis and determine how much the dentist receives as compensation. Depending on the coverage, the fees may be paid via direct reimbursement or by submitting claims.
You also need to determine if the dentist or orthodontist you prefer to work with accept your dental health coverage. The majority of policies have “in-network” and “out-of-network” schedules that indicate what they pay and what you pay. To ensure your out-of-pocket costs are as low as possible it’s important to choose an in-network provider.
Determining Your Needs
If you take good care of your teeth and typically don’t have problems, you may want a policy that covers basic care (cleanings and fillings) and emergencies; however, if you haven’t practiced good oral hygiene or anticipate having some more invasive procedures, you may want a more detailed policy. You should also consider whether to include orthodontic coverage.
Selecting Your Coverage
Dental insurance plans provide a list of covered treatments and procedures to give you the opportunity to select the one that fits your needs. You can select plans that cover the basics or plans that provide coverage for more procedures.
When selecting dental insurance, there are important considerations to know. Always know the following:
- What is your monthly premium?
- What is your out of pocket expense for each treatment?
- What kind of coverage do you want?
- Do you have lifetime limits?
- Do you have coverage for family members?
- Does your coverage include out-of-network dentists?
Dental insurance can be very confusing especially if you have never had it. The majority of companies provide insurance experts through their human resources departments; don’t be afraid to ask questions. If you are getting coverage on your own, ask the customer service representative your questions. Once you have all your information, you can make an informed decision. And, of course, if you have questions about how the services at Wright Orthodontics fits into your dental insurance plan, contact us.