Medical and dental insurance are designed to keep your mouth and body healthy; however, there are many differences between the two. Your dental insurance works a bit differently than your medical coverage. Don’t worry. Here’s what you need to know to make the most of your dental benefits.
Medical Insurance VS Dental Insurance
Oral and general health are closely connected. Many dental issues can increase your risk of various health problems, like heart disease. Dental insurance focuses on prevention and restorative care to keep your teeth and gums healthy.
Here are a few key things you should know about using your dental coverage:
- Premiums: Every month you pay a premium for your policy, giving you access to reduced rates for dental care.
- Deductible: After meeting your annual deductible, your insurance benefits will pay some of the expenses for preventive and medically necessary services.
- Annual Limit: Your insurance will help pay some of your dental expenses until you reach your annual limit.
How Dental Insurance Works
You benefit from a nationwide network of dental professionals and reduced rates for the services you need for a healthy mouth. Although every plan differs, most include:
- 100% of preventive services
- 80% of minor restorative services
- 50% of major restorative services
In-Network VS Out-of-Network Dentist
Your dental insurance will recommend visiting a dentist in their network to benefit from more coverage at the time of services. They have pre-negotiated rates with preferred dental practices for select services.
You can use your insurance at an out-of-network dentist to enjoy more freedom to pick the services you want. However, you’ll be responsible for the difference between the dentist’s fees and your insurance’s allowable amount.
Dental Insurance Doesn’t Last Forever
Your dental benefits will reset at the end of the year. You aren’t reimbursed for anything you don’t use and nothing carries over into the new year. With less than 3% of Americans meeting their annual limits, your coverage provides the financial solution to achieve optimal oral health while staying within your budget.
Your insurance will pay 100% of the expenses for semi-annual cleanings and checkups after a copayment. If a problem arises, your insurance will cover up to 80% of the expenses for common restorative procedures, like fillings. Your financial situation will never stand in the way of a healthy, beautiful smile.
Don’t wait until it’s too late to use your dental insurance. You can head into the new year with a healthy smile and better overall wellness.
About Dr. Hadi Ansari
Dr. Ansari achieved his dental degree from the University of Pittsburgh and has completed a four-year residency in oral and maxillofacial surgery. He has regularly continued his training in various specialties, like dental implants, surgical tooth extractions, and anesthesia. Request an appointment through his website or contact one of our many locations.