According to the National Association of Dental Plans, approximately 66% of Americans have some form of dental insurance coverage. If you’re one of the 211 million with dental coverage, have you ever had questions about your insurance?
Dental insurance covers basic needs and can provide a measure of peace of mind. However, many patients have questions about their coverage and benefits. Here are a few of the top questions we get about dental insurance:
What’s a deductible?
Your deductible is the dollar amount you’d pay out of pocket before your insurance coverage kicks in. During your benefit period (which is typically a year), you’d need to satisfy this portion before your insurance will cover the cost of treatment. Deductibles vary depending on the plan; check your coverage to find yours.
What’s a PPO?
PPO stands for Preferred Provider Network. A PPO insurance plan allows you to choose your dentist. No matter which dentist you choose, services from an in-network provider are covered at a higher level than from an out-of-network provider. For example, a cleaning may be covered 100% if you choose an in-network dentist, but perhaps only covered 80% if you visit a dentist that’s not in-network.
Prior to your appointment, check with your specific plan to find out if your dentist is in-network to ensure you’re getting the most out of your coverage.
Do I get two free cleanings a year with my insurance?
Often, yes, but it does depend on your plan. Typically, 80-100% of the cost of your hygiene check-ups are paid twice during your benefits period. If your plan covers 100%, then your cleanings will be free. However, if your plan pays less than 100% or if you’ve used your yearly maximum toward other treatment, then you’d pay for your cleaning out of pocket. There is also a difference between a cleaning for a healthy mouth and a maintenance cleaning for someone who has history of periodontal disease. These often have slightly different limitations.
Reminder: Dental benefits don’t roll over to the new year, so if you’ve been putting off a cleaning or caring for recommended treatment, it’s a good idea to schedule it as soon as possible so you can maximize your yearly benefits!
What if I don’t have dental insurance?
Financing is available through CareCredit, a healthcare credit card that enables you to finance treatment from 6-24 months, possibly even with no interest rate if treatment is paid in full during your promotional period.
Dental insurance doesn’t have to be a mystery! Your dental team is happy to help you find out exactly what your coverage includes, so if you’re confused or unsure if your cleanings are covered, simply call and ask!
The content on this blog is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of qualified health providers with questions you may have regarding medical conditions.
Re-posted with permission. Source.