Have you recently tried to read through your dental insurance policy? If so you’ll know that it can feel as if it is written in a foreign language, but it is best to try to understand it as much as you can so you gain the maximum benefit from your
Understanding the Different Categories
Most insurance companies offer a variety of different dental plans with different levels of coverage which are likely to fall into three categories of diagnostic and preventative, and basic and major procedures.
Diagnostic and Preventative: The majority of plans will cover most, if not all of the costs of preventative dental care including cleanings, dental sealants, fluoride treatment and checkups and basic dental x-rays.
Basic Dental Care: The majority will also cover most of the costs of basic dental care. Procedures that fall into this category include dental fillings, root canals and extractions.
Major Dental Procedures: If you need any major dental procedures such as crowns, bridges or dentures, then it is likely a percentage of the costs will be covered, and there may be a waiting period before you can claim for these treatments.
Even though dental insurance can help cover the cost of dental care, it is still likely that you will have to pay a deductible, and there is likely to be a maximum amount of benefits that can be claimed each year. When considering which dental plan to choose, it is worth looking to see if the maximum allowed each year will increase over time and by how much. It is important to bear in mind that dental insurance is designed to help keep your teeth and gums healthy, and that it is unlikely to cover treatments that are considered cosmetic.
Ask Us for Additional Clarification before Treatment
Before you have any dental treatment you will receive a written treatment plan, and at this stage it may be possible for your dentist to submit this plan to your provider to find out exactly how much will be covered. This will let you know in advance of any costs you may be liable for, and helps to take the guesswork out of dental claims. Midtown Dentistry can file a predetermination for you to verify your coverage, as we are a network provider for several of the largest dental insurance companies. If you are insured with a different insurance company, then we will still file the claim for you to help make the process a little easier for you. Our dental team will always try to help you understand your dental insurance more fully, so it is worth asking us if you have any questions prior to receiving dental treatment.