Dental insurance provides comprehensive coverage for the services you need to keep your mouth healthy. Unfortunately, billions of dollars are lost in unused dental benefits every year. Dental insurance can be confusing, but you don’t have to throw money away. Here are 4 things to remember about your dental insurance to maximize your coverage.
1. 100% Coverage for Preventive Dentistry
Dental insurance focuses on prevention to reduce the risk of needing costly procedures later. Researchers have found that $1 of preventive care can prevent up to $50 in restorative and emergency fees. The American Dental Association recommends a cleaning and checkup every 6 months. A co-pay allows you to visit your dentist twice a year for preventative treatments, including cleanings and checkups.
2. Up to 80% Coverage for Restorative Dentistry
If you require dental work, you don’t have to worry about large bills. After meeting your annual deductible, your dental insurance may pay 50% to 80% of the expenses for medically necessary services until you reach your yearly limit. You won’t have to delay treatment if money is tight. Your insurance allows you to treat the issue quickly before it turns into a big problem.
3. Freedom to Choose Your Dentist
Your dental insurance recommends choosing a dentist in their network to benefit from more coverage. They have pre-negotiated rates with preferred dental practices for common services. However, you can visit any dentist that accepts your insurance, even if they are out-of-network. This gives you the freedom to choose the dentist, specialist, or service you desire, but you may pay a little more out-of-pocket.
4. Your Insurance Benefits Expire
Your dental coverage does not last forever. Your benefits will reset at the end of the year, and you’ll lose anything you haven’t used. On average, less than 3% of Americans meet or exceed their annual limits. You could lose hundreds to thousands of dollars that could have been spent on improving your dental health. Don’t wait until it’s too late to use your insurance benefits.
With your oral health and overall wellness closely connected, your dental insurance is an investment in a healthy mouth and body. Your dental team will work on your behalf with your insurance to maximize your coverage. Many dental practices offer flexible financial solutions for any out-of-pocket costs, like CareCredit. They will help you find the solutions you need to achieve optimal oral health without breaking the bank.
About Dr. Erin M. Prach
Dr. Prach earned her dental degree at the University of Colorado School of Dental Medicine and has continued her education in various specialties, including oral surgery, sleep medicine, and restorative dentistry. She accepts dental insurance to keep a healthy smile within everyone’s budget. Request an appointment through her website or call her office at (307) 224-9887.