If you have dental insurance and aren’t using it, then you are wasting your money. A lot of people who have this type of coverage only use it when something goes wrong or when they have dental pain. But, Wall Street Dentistry put together this information to help you make sure you’re getting the most out of your dental insurance plan.
Your benefits have an expiration date
About 74 million Americans have some form of dental insurance, according to the National Association of Dental Plans. No matter what type of coverage you have, your benefits have a lifespan. Usually, medical insurance coverage is determined on the calendar year—meaning that your benefits go into effect on January 1, and expire on December 31. Dental insurance has a yearly maximum, which is the total amount of benefits that will be paid in a given year. Let’s say that your maximum is $1,000, but you’ve only used $500 of your benefits. Those unused benefits won’t roll over, so if you have dental insurance benefits and do not use them before the year ends, it’s basically like throwing away money. You’re paying for those benefits throughout the year… so use them!
It’s all about planning
Most insurance plans cover routine check-ups, which should include a cleaning and an examination, in full. If your benefits show that you have an unused dental exam, you should be sure to schedule it before the end of the year. Your teeth will be cleaned thoroughly, and your dentist in Albertville will be able to evaluate the condition of your teeth and mouth. If the exam reveals any other issues or potential problems, you can use your dental coverage to help pay for those procedures. Prevention is key to maintaining good oral health, so why not put those benefits that you are paying for to good use! Otherwise, you could end up spending hundreds more down the road by paying for costly dental repairs.
Know what’s covered under your plan
Not all dental insurance plans are the same. Some may cover orthodontic treatment, others do not. Periodontal treatment and restorative dentistry usually are covered at a predetermined percentage, although you still may owe an out-of-pocket amount. You need to educate yourself as to what your plan covers, then make a plan to use those benefits to get your maximum value—while also guaranteeing a continued high level of care.
At Wall Street Dentistry, we work with several major dental insurance providers, including BlueCross/BlueShield of Alabama, Southland, MetLife, Delta Dental, Guardian, Aetna, Principal, Humana, and Cigna. Your insurance coverage may not cover the entire cost of treatment; your plan has a deductible for that reason. Any out-of-pocket cost that’s not covered by your provider must be paid by you at the time of service. We accept several different methods of payment, including cash, checks, and most major credit cards. We also offer third-party financing through partners like CareCredit.
If you have any questions about your dental insurance or filing a claim, let the professional and helpful staff at Wall Street Dentistry assist you. Call to make an appointment today at (256) 878-0525 if you live in the areas of Albertville, Boaz, and Guntersville, Alabama.