Dental Insurance Made Easy
Trying to figure out your dental insurance plan can be a headache. There are deductibles to meet, annual maximums to watch, and networks to understand -- where does your actual dental care fit in? At Antoon Family Dental, we know insurance is confusing. Your Plano dentist is here to help you make the most out of your benefits.
How Dental Insurance Works
When you have dental insurance, you will need to select a dentist who is in-network with your provider. In-network dentists have come to an agreement with the dental insurance company to provide their care at a reduced rate to you. You can find a list of in-network dentists on your provider’s website.
But even if a dentist is out-of-network with your insurance, you may still be eligible to receive discounts on your care. PPOs (preferred provider organizations) allows you the freedom to choose your medical professional without network restrictions. And, even a dentist who is out-of-network with your HMO (health maintenance organization) may file your claim for you.
Dental insurance works like your medical insurance. Most have a premium or the fixed amount you pay (usually monthly) in exchange for your benefits. If you have a deductible, you must pay a certain amount of money out-of-pocket before your benefits kick in.
Your plan will likely have an annual maximum or the most amount of care your plan will cover within a given year. Most plans are on an annual calendar, meaning your benefits will renew on January 1st each year. If you have met your deductible but not reached your annual maximum by the end of the year, contact your dentist to find out how you can make the most out of your benefits before they expire.
Making the Most Out of Your Investment
Use your dental insurance benefits to the fullest to enjoy better oral health. Because preventive dentistry is crucial to a healthy, long-lasting smile, your dental insurance plan should fully cover two checkups and hygiene visits per year. You may receive a set of X-rays for free each year, too. And, if you need any restorative care (like fillings, extractions, or root canal therapy), those services should be at least partially covered, too.
How can you take full advantage of your dental insurance plan? By understanding just what benefits you are eligible for, and when. Contact your insurance company to discuss your plan. Make a list of questions beforehand to ensure that you have all of your doubts resolved. Some questions you may want to ask include…
- What are services fully covered under my plan? Partially?
- Do I have to pay for preventive care if I haven’t met my deductible?
- Are other members of my family eligible for dental care under my plan?
- What benefits do I have left this year?
If you receive dental coverage through your employer, you can also discuss your plan with your human resources department.
Your dentist in Plano is committed to providing affordable dental care. As such, we are happy to work with any dental insurance provider. We invite you to contact us to discuss your coverage today!