Dental insurance might seem like an unnecessary inconvenience. Why should you at least look into dental plan options that fit your needs?
Ultimately, it comes down to three big benefits…
Right now, paying for an occasional exam, x-ray, or cleaning out-of-pocket might seem cheaper than the yearly insurance premium. But sooner or later, one of your fillings could fail and you’ll need a root canal. A freak accident could knock a tooth out.
Life happens, and chances are good that one day you will desperately want that dental coverage after all.
Preventive dental treatments really do help you avoid diseases such as tooth decay and periodontitis.
Most dental plans provide great coverage for things like cleanings, x-rays, sealants, and fluoride. Simply because you’re already investing in the insurance, you’ll have more incentive to make use of these service.
When the insurance is there, you won’t face as much indecision over whether to get treatment or not. It’s easy to postpone dental care when you don’t have a way to cover a portion of the cost.
By getting treatment when recommended, you can actually improve the quality of your overall health. Your mouth and the rest of your body are more closely connected than you may realize.
Dental Insurance . . . Through Your Dentist?
Many dentists offer some form of in-house savings plans that rivals other dental insurance programs. You get a much better rate, no middle-man hassle, and more straight-forward coverage.
Ask your dentist if this is available in your area.
Posted on behalf of:
3244 Sunset Blvd
West Columbia, SC 29169
If you are in an open enrollment period for your benefits through your employer, this is a great time to take a look at what benefits your dental insurance company offers and make changes, if possible.
Consider Your Dental Needs
Make an honest assessment of the state of your dental health. What issues did you have last year? Are you at risk for things like more cavities or failing crowns?
Try to anticipate potential problems before they can hit at an inconvenient time.
Talk With Your Insurance Provider
Once you’re familiar with what you and your family needs, pull out and inspect your dental insurance policy to see how it matches up. You may have benefits you’ll never need while lacking coverage for things that are common to your situation.
If you see any such discrepancy, talk with your insurance provider or employer about getting a better plan.
Do you know what preventive dental benefits are available to you? How often does your dental plan cover routine dental checkups and cleanings?
Many adults don’t realize that their insurance still covers a fluoride treatment for them. It’s easy to assume that professional fluoride treatments are just for kids. Kids do benefit from fluoride but so do adults. Taking advantage of such coverage is a very easy way to protect your smile and avoid more complicated procedures.
Create A Treatment Plan With Your Dentist
You may have a few items on your dental to-do list. If so, your dentist can help you prioritize treatment so that you don’t put off anything important. Less vital procedures, such as bonding that chip in your front tooth, may be able to wait until later in the year after urgent treatment is taken care of.
Contact your dental office today to get started.
Posted on behalf of:
Mendota Springs Dentistry
6317 McKee Rd #500
Fitchburg, WI 53719
Have you ever gone to the dentist and been told that you needed to have a certain procedure in order to restore, repair, or save a damaged tooth? Perhaps it’s been years since you’ve had a dental check-up due to lack of insurance coverage, and now that you’re on a new plan you just want to get your smile healthy again. After talking about what options you have to restore your teeth, the financial coordinator discusses the fees for each service and your estimated insurance benefits, only to find out that your insurance may or may not pay for a certain procedure.
Your insurance coverage is based on the type of plan that either you or your employer have chosen as part of a package. Some types of insurances only cover a set percentage of certain procedures, regardless of the price. For instance, a common example is an insurance plan that pays 80% of restorative procedures and 50% of major procedures. This leaves the patient responsible for a portion of their fees, and requires a financial investment on behalf of the patient for care to be completed. Other types of insurance plans are based on a percentage of the fee, assuming that the fee does not exceed a dollar amount. If the fee goes over that amount, the additional difference is the responsibility of the patient.
Getting routine preventive care is important to keep your smile healthy and maximize the amount of coverage that most patients receive. Typical insurance plans cover 100% of preventive procedures, maximizing the patients ability to access routine dental cleanings and checkups, exams, and x-rays to screen for decay before it becomes too progressed.
Posted on behalf of Dr. Michael Mansouri, Lawrenceville Family Dental Care, P.C.
Judging from recent headlines ObamaCare, President Obama’s new plan to have health care coverage for all Americans, has not been going as smoothly as expected, resulting in a great deal of confusion and administrative delays. One area that hasn’t received as much attention, though generating just as much confusion, is oral health coverage.
Under the ACA, all Americans must sign up for health insurance coverage if they are not currently covered under an employer’s policy – or face possible penalties. How you sign up depends where you live. Some states have chosen to set up their own Marketplace, while others are deferring to the federal government. The Marketplace is an online venue where insurance companies offer their various plans for affordable insurance. For those in states that have opted to go the federal route, the place to sign up is the website HealthCare.gov.
The purpose of the ACA, according to the Obama Administration, is to improve coverage and lower costs by making health insurance mandatory for everyone. It also does things like force insurance companies to accept pre-existing conditions and require that they cover preventative care. That does include preventative dental care, but only pediatric dental care.
According to reports, only a handful of states with their own Marketplaces have opted to cover pediatric preventative dental care in all their plans. Many have left it up to parents to come up with their own dental insurance plans.
If you are one of the millions of Americans who falls under the Affordable Care Act, you should definitely investigate the various plans available in your state and inquire about dental coverage.
Posted on behalf of Randy Muccioli
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