Dental insurance is similar to other types of insurance; you pay a monthly fee in exchange for a certain amount of coverage, with varying benefits, that lasts throughout the calendar year. Needless to say, it’s a pretty wise investment, given how problematic (and expensive) dental problems can be. That said, if you have dental insurance, you should also remember that knowledge is power—knowing how your plan operates and how it helps you save on treatment is always going to be in your best interest. Here are four key things you should keep in mind!
1. Every Provider and Plan Is Different
Every provider has their own set prices and types of plans, meaning that if you’re in the market for coverage, you should first consider your needs and then evaluate your options. To make sure you’re getting the best deal and gaining access to everything you’ll need, don’t hesitate to read the fine print; you don’t want to commit to coverage that doesn’t help you pay for treatments you need, and you don’t need access to benefits that you’ll never use!
2. Dental Insurance Emphasizes Preventing Issues
Dentists and insurance providers alike understand that it’s always going to be cheaper to prevent issues, rather than allowing them to worsen before being treated. This is why dental insurance often fully covers the cost of preventive care! That said, some plans also have higher co-pays for procedures categorized outside of preventive care. With this in mind, it’s always wise to consider what type of services you’ll need when purchasing dental coverage, especially if your focus is more than just preventive care and enters the realm of restorative care.
3. Know When Your Benefits Are Active
Insurance plans are usually based around the calendar year, with coverage activating in January and continuing through December. For example, if your plan allows for two annual checkups and cleanings, which is standard, you’ll be expected to attend those visits before the end of the year if you want to take advantage of your benefits. It’s also worth being mindful of waiting periods; the majority of dental insurance plans will require you to wait for a specified waiting period before your coverage activates, especially for complex treatments. But when it comes to preventive care, like checkups and cleanings, these periods are generally shorter or nonexistent. In any case, always check your plan so that you know when you’re eligible for coverage so you can start saving while you’re smiling!
About the Practice
Here at University Dental Group, we’re excited to provide patients and families in Worcester with an unmatched level of dental care! We’re also proud to accept a wide range of different insurance providers so that you’re able to get the care you need while saving your hard-earned money. If you have any questions about the blog or your dental insurance plan, or you’d like to schedule your next visit, feel free to visit us online or give us a call today for further information or assistance! Telephone: (508) 753-1911.