How to Make the Most of your Dental Insurance
You finally make the leap and start paying for dental insurance this year, so it only makes sense to understand the best way to utilize your plan and take full advantage of everything it offers. We hope that our tips below will help you make the most of each monthly payment towards dental insurance to not only get the most out of it but also to make you smile bigger :D.
Get to Know Your Plan
Many people don’t end up getting the most out of their dental insurance simply because they don’t take the time to learn about all of its benefits. When you sign up, take the time to get to know your plan, doing the research to find out what exactly is covered under your plan. Also, don’t be hesitant to ask your Dental Provider what all your insurance will cover. Not only will you be able to receive more treatments, but you will also avoid any surprises down the line.
Go Over the Explanation of Benefits
An explanation of benefits is issued to both you and your Dentist each time a claim has been paid (or denied). Be sure to reach over this notice so you are aware of the process and how to react if necessary.
Know Your Annual Limits and Use It
Many patients are unaware of the annual limit established by their insurance provider. Being aware of your annual limit comes in especially handy when you need a multi-part procedure such as a root canal. If possible, try scheduling a root canal treatment at the end of the year and then your crown at the beginning of January. This will prevent you from going over your annual limit and save some for the next year!
Schedule Treatment when you are Eligible for the Most Dental Insurance Coverage.
If you can, try to plan out your more complex dentistry. For example, if you are near the end of your plan’s year and you’ve already maxed our year dental coverage cap, ask your Dentist or Endodontists if you can schedule the non-urgent treatment after your cap resets. This can help you minimize out-of-pocket costs.
The more you know about your dental plan and available benefits, the better prepared you’ll be to get the dental care you want and need. And as we know, dental needs never come at a planned or convenient time. It’s always when you least expect it that you get a toothache or cracked tooth so be sure to plan ahead.