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Use Your Insurance Benefits Before They’re Gone
If you pay for a dental insurance policy and have yet to visit Crabapple Pediatric Dentistry & Orthodontics this year, then now is the time to check your teeth. Remember, when it comes to dental benefits–if you don’t use them, you lose them. Why pay a monthly premium for something that is going to waste? Nobody can afford that!
Read below to learn about how your insurance policy works and how to take full advantage before the year ends.
What Are Dental Benefits?
Dental benefits are the cost-free treatments you get from signing up for a dental insurance benefit plan. Most health insurance companies are generally straightforward and specify the type of services they will cover.
What Does Dental Insurance Cover?
Typically, most oral insurance plans cover the cost of preventive care, fillings, oral surgery, root canals, and crowns. However, some dental coverage may even include a portion of restorative and orthodontic treatments like braces, Invisalign, dentures, and bridges.
What is the Maximum Benefit?
When you pay your dental premium each month, you’re paying dental coverage up to a certain point. That coverage amount is called your annual maximum benefit. You start building back up to that max from zero when the year ends.
What does this mean exactly? It means that the money you should have used for dental procedures and treatments goes down the drain. If that is the case, it is a sad loss to you and a massive gain to the insurance company. That is precisely why you should always attend your dental checkups. Regular six-month checkups give you the most bang for your buck and help you maintain good oral health!
What is the Insurance Deductible?
A deductible also resets at the beginning of January. It is the out-of-pocket amount that you must pay before insurance kicks in. Most health care plans use the 100-80-50 structure to specify how they contribute to certain dental services. The amount varies from plan to plan.
It means that the cost of preventive care is 100% covered, basic treatments 80% covered, and major dental procedures covered at 50%. Keep in mind that many insurance companies do not cover cosmetic dentistry treatments such as teeth whitening, crowns, and dental implants.
100% Coverage of Preventive Dentistry
Don’t think of your dental insurance policy as something to have to get your teeth fixed in the case of an accident. Instead, consider that it is there to help maintain excellent oral health and prevent disease before it starts. Most dental plans cover 100% of the following twice a year:
- Professional teeth cleaning
- A dental examination
- Dental x-rays
A bi-annual thorough tooth cleaning helps prevent cavities and maintain excellent oral health.
Dental x-rays show oral issues that aren’t visible to the naked eye. Small cavities hide between your teeth and can be hard to detect, and some problems are only seen through x-rays, like abscessed teeth.
A dental exam is more than just checking for plaque and cavities. Your dentist inspects the soft tissues for suspicious areas related to oral cancer. Your thyroid, lymph nodes, and jaw joints are examined as well.
Visit Your Dentist in Alpharetta, GA Before Your Benefits Expire
Taking advantage of your dental benefits will always be a win for you. Please contact us today at Crabapple Pediatric Dentistry & Orthodontics. We offer an incredible array of dental care services in a state-of-the-art practice. We ensure you get the best dental experience possible and use the maximum dental insurance benefits before your time runs out.
