November 22, 2016
Are you making the most out of your dental insurance? Whether you are insured individually or through your employer, you should be eligible for free or heavily discounted preventive and restorative dental care. And as your dentist in Benbrook, we want to make sure you receive all the insurance benefits you are entitled to. We will work with you to make using your dental insurance a breeze. Keep reading to learn more about your benefits — and as always, feel free to contact us with any questions!
How Does Dental Insurance Work?
It may seem like a headache, but your dental insurance actually works pretty simply. In exchange for your premium, a fixed price usually paid each month, you are eligible for a list of treatments and services you receive for free or partially covered by your insurance provider. You pay any money that is due at the time you receive services, and your dentist receives the full payment from the company afterwards.
One important thing to note about your dental insurance is that it will renew each year. Most plans are on an annual calendar, so your benefits will start over on January 1. Any money you have accrued towards your deductible or annual maximum will go away, and you will have to meet your deductible all over again to receive discounts on services. Make sure you take advantage of all the treatments you are eligible for before your benefits expire at the end of each year.
After you come in for an appointment, our staff will happily file with all PPO (preferred provider organization) insurance carriers! We want to help make paying for your dental care as easy as possible. Get in touch with us to discuss how we can help with your dental insurance benefits.
What Does Your Dental Insurance Cover?
Dental insurance coverage varies from plan to plan. You usually receive wider coverage in exchange for a higher premium.
Because regular dental care is the key to preventing more costly, complex treatments later on, your insurance plan should completely cover two checkups and cleanings with a set of x-rays each year. During a routine visit, your dental hygienist removes the plaque and tartar that cause tooth decay and gum disease, the condition that has been linked to heart trouble, respiratory issues, and pregnancy complications, among other serious health problems.
Regular dental care also helps your dentist catch issues early, while the most conservative treatment is possible. When problems occur, your dental insurance will likely cover a portion of your restorative care.
Some dental insurance plans cover certain cosmetic treatments in addition to orthodontics, nightguards for bruxism, and other devices for achieving and maintaining better oral and dental health.
Get in touch with your insurance provider directly to discuss your coverage, including what treatments you are eligible for, who is covered under your plan, and whether you have a deductible and annual maximum. If you are insured through your employer, you can also learn this information through your human resources department.
The key to making the most of your dental insurance? Working with your dentist’s office — and scheduling regular preventive appointments. When was your last visit to the Mark Givan DDS? Request an appointment today!
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