Dental insurance is a valuable asset, but it can be confusing at times. How does dental insurance work? Does it matter if you visit an in-network provider? And is dental insurance really worth the money? Finding the answers to such questions can set you up to derive the greatest value possible from your benefits. Here is an overview of what you should know:
The 4 Basics of Dental Insurance
Here are four fundamental facts about dental insurance that can help you start understanding your policy:
- There is a strong focus on prevention. Cleanings, exams, and other preventive services tend to receive the greatest amount of coverage. In fact, preventive care is usually 100% covered.
- PPOs and HMOs are different. Most people prefer a PPO plan because it allows them to visit any dentist or specialist, even without a referral.
- There are some stipulations. Dental insurance policies usually come with a waiting period, a deductible, and an annual limit on how much the insurance company will pay for approved services.
- Plans vary greatly. Coverage can be quite different from one plan to the next. Comparison shopping is important!
In-Network vs. Out of Network Coverage
PPO dental insurance plans allow you to use your benefits at any dental practice, regardless of whether they are in your plan’s network. You should visit the practice that you feel most comfortable with.
However, there are a few differences between in-network and out of network providers:
- An in-network provider has a contract with your insurance company that controls prices. You may also enjoy higher coverage rates at in-network practices.
- An out of network provider can still accept your benefits, but you might end up paying slightly more overall. You should ask about their payment policies so you know exactly what to expect when you visit.
Is Dental Insurance Really Worth Paying For?
Some people have concluded that dental insurance is not worth paying for. That simply is not true. In fact, it is worth the money if you take a few simple steps:
- Visit your dentist twice a year for preventive care. Often, these visits are 100% covered. In some cases, their total value is close to the cost of an annual insurance premium.
- Receive prompt treatment for dental issues. Minor services are often 80% covered, so you could save hundreds of dollars on necessary treatments, such as fillings and simple extractions.
- A healthy mouth saves you money. Maintaining a healthy smile can protect your overall health, prevent you from missing work due to dental issues, and more!
Dental insurance is a wonderful provision. Get to know your policy so you can use it in the most advantageous way possible.
Meet the Practice
The team at Modern Dentistry is committed to providing top-quality oral care for people in our community. We understand that patients are concerned about costs, so we accept many dental insurance plans. To learn how you may be able to use your benefits in our practice, contact our Roswell, GA, office at 770-993-6893.
