Navigating Dental Insurance

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.

Important Considerations

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.

Four Indications You May Need Orthodontics

The American Association of Orthodontics recommends children see an orthodontist at age seven for an initial evaluation. This gives orthodontists a base of comparison as they grow and allows them to determine if there are any issues that might require early intervention. The most common issues that create orthodontic challenges include crooked or overcrowded teeth, gaps, misaligned jaws, speech issues and teeth misalignments.

#1: Crooked or Overcrowded Teeth

Whether baby teeth fell out too early or teeth just seemed to come in out of alignment, the result is crooked teeth. Crooked or overcrowded teeth can easily make people feel self-conscious about their appearance, especially when smiling. Luckily, orthodontics can reposition teeth for a bright and bold smile.

#2: Too Much Space Between Teeth

While some children have problems with overcrowding, others have too much space between their teeth. Braces straighten teeth to close the gaps.

#3: Speech Concerns

Speech impediments such as lisps are often due to the misalignment of the teeth. Orthodontics repositions teeth so that they are properly aligned thus greatly diminishing or eliminating common speech issues.

#4: Misaligned Jaw

One of the many benefits of orthodontics is the ability to realign the jaws so that they fit together as they should. This is something that orthodontists may detect during early intervention.

Orthodontics corrects a host of problems within the mouth and structure of the face, whether functional or cosmetic. If you’re interested in seeing an orthodontist, please contact us to set up a consultation with Dr. Marc S. Wright today.