It’s not always easy picking the right dental insurance plan for your needs; however, it’s always going to be worth it, given the huge benefits that come with having a healthy smile. Continue reading below to learn more about dental insurance; by keeping these tips in mind, you’re certain to find the perfect plan for you that’ll vastly improve and protect your dental health!
1. Most Plans Cover Preventive Care
In all honesty, the absolute best way you can utilize dental insurance is by attending your biannual routine checkups. These visits typically include a thorough teeth cleaning, a visual inspection from your dentist, X-rays, and any other preventive measures deemed necessary for ensuring optimal oral health moving forward. Most dental insurance plans cover 100% of the cost of these visits; however, some may only cover as much as 50%. When purchasing your plan, make sure you’re opting for one that includes preventive care, as these visits are what ward off expensive treatment down the road.
2. Basic Restorative Care Coverage Is Critical
The majority of dental insurance plans will cover 80% of the cost of things like fillings, extractions, and work involving crowns and bridges. This means you’ll potentially save a lot of money on these services, as they tend to be pricier than things like preventive care. Even if you have excellent oral hygiene habits at home and keep up with your routine checkups, you shouldn’t falsely assume that you don’t need basic restorative coverage—you never know when you might sustain an injury that warrants something like a crown or filling.
3. Major Restorative Services Are Likely Covered
Typically, major restorative services like dentures and implants, along with procedures like root canals, are covered at a rate of around 50%. You shouldn’t need these services regularly—and if the need arises, be glad that you’re receiving partial coverage, as these procedures can be quite pricey!
4. Familiarize Yourself with the Details of Your Plan
Did you know that dental plans typically have waiting periods, in which you’ll need to wait a certain amount of time before you can use your plan for particular services? Typically, preventive care visits are covered immediately or within 30 days, whereas basic restorative services may be covered after 3 months, and major services after 6 months. Some policies also only cover a few services each year. Additionally, dental insurance plans also remain in effect throughout the calendar year. When you first purchase a plan, spend time reviewing the fine print and learning what benefits you have access to. This way, you’ll never be hit with any surprises!
The bottom line is that dental insurance is anything but simple—however, by understanding how it works to help you save on life-changing care, you can ensure that you’re doing what’s best for your smile and your bank account.
About the Practice
The talented team at NeoSmile Dental Care has proudly served the dental needs of patients and families in the Spring House, PA community for several years. The practice is thrilled to offer a wide range of treatment options, including various preventive and restorative services. They also are pleased to work with numerous insurance providers. If you have any questions about the blog or you’d like to get in touch with the team to set up an appointment, please visit the practice’s website or call them today for further information or assistance. Telephone: (215) 643-5220.
