Dental insurance can make necessary and cosmetic dental treatments accessible, affordable, and cost-efficient.
More than half of Americans have dental insurance, but for those who are shopping around or unsure about their benefits, there are some things they should ask insurance providers to fully understand what their benefits will cover.
Do I Need to Wait Before I Can Use My Insurance?
Not all insurance policies are created equal, and some may require a waiting period. If you're unsure about this, it's a good idea to give your insurance provider a quick call to verify. This saves you time, energy, and confusion down the road.
Do I Get to Pick My Dentist?
Not all dental plans allow you to choose your dentist; some have a network of dentists to select from. Some plans, like Preferred Provider Organization (PPO), present a list of approved dentists. Out of network dentists are allowed but after a fee.
Other insurance plans like Dental Health Maintenance Organization (HMO) come with a list of approved dentists that don't require a co-pay. No dentists are allowed outside of this plan.
How Much Do I Pay for Dental Procedures After Insurance?
Many insurances use a 100-80-50 coverage structure. Meaning, they cover 100% of preventive dentistry that prevents oral health issues. Dental cleanings, x-rays, and more are accessible to beneficiaries. If an issue is detected and a filling is needed, insurance plans cover 80% of the cost.
Restorative dentistry, like dental crowns, bridges, or dentures are 50% covered or require a large co-pay.
Not all insurance plans are the same, and some may have different percentages, especially if you choose a dentist that is not in-network. It always pays to ask.
Do You Have Questions? Give Us a Call
At Arcadia Dentistry, we understand how confusing or unclear your benefit plan can be. Our friendly and helpful dental staff are always available to answer questions and make requests on your behalf.