Affording the dental care you need is important, and the main reason that people invest in dental insurance coverage. Getting the maximum benefits out of your insurance plan can help keep your smile healthy, reduce your out of pocket expenses related to treatment, and help you get the care you need. Here are some tips on getting the most out of what your plan covers:
#1: See your dentist for routine preventive care on a regular basis.
Most insurance plans cover preventive care at 100% (or close to it.) Preventive care appointments include dental cleanings and checkups, dental exams, fluoride, oral cancer screenings, x-rays and other procedures like sealants. These measures performed twice each year can keep your mouth healthy and identify small treatment needs before they become problematic later on.
#2: Get your treatment completed as soon as possible.
When your dentist diagnoses a small cavity or other need, it’s in the best interest of your tooth to have it completed while the damage is still small. Putting treatment off until it hurts or is visible to you will almost always mean more invasive and costly treatment. A filling can quickly turn into a root canal, and your treatment coverage will drop from restorative care coverage to major treatment coverage. Major treatments are usually covered at a smaller percentage, leaving you responsible for the rest of the fees.
#3: If you don’t like your coverage, talk to HR at your employer.
Your dentist doesn’t get any say so with your insurance company about how much they cover, or convincing them to cover treatment outside of your benefits. The plan you carry is determined based on what you purchase, or is arranged by your employer. Taking up your coverage with the HR department at your employers office is the best way to change or improve the plan you already have.
Posted on behalf of Dr. Mark Rowe, Rowe Family Dental Care
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