Learn More About Dental Insurance Coverage
Dental insurance can be confusing to understand, especially because every plan can differ. That’s why we’re more than happy to provide you with some insight on what the average insurance plan covers and answer any questions that you have. We do everything within our power to maximize your benefits and save you from out of pocket costs, and we aim to make each of your treatments cost-effective. To learn more about how your insurance coverage works, just read on below!
Understanding How Dental Insurance Works
Dental insurance primarily focuses on covering preventive treatments, like checkups and cleanings, because their goal is to keep oral health problems from ever evolving in the first place. Each insurance plan has a few details that you should be aware of, which include:
- Annual Maximum: Your annual maximum is a capped-off amount of money that your insurance providers will pay for dental treatments every year.
- Yearly Deductible: The yearly deductible is a set amount of money that you’ll be required to pay out of pocket before your benefits kick in and begin to cover the cost of treatments.
- Copayments: Copayments are fixed dollar amounts that your insurance requires you to pay at the time of service.
If you have any additional questions about insurance coverage or need help understanding your plan, don’t hesitate to call our dental office.
What Does Your Dental Insurance Plan Cover?
It’s important to note that every dental insurance plan is different, which is why the best way to understand your coverage is to contact your provider directly and ask.
The average plan uses a 100-80-50 coverage structure. What this means is that they cover 100 percent of the cost of preventive care, like checkups and cleanings, 80 percent of more common treatments, like dental fillings, and 50 percent of major services like crowns and bridges.