you sign up for a dental insurance
When you sign up for a dental
insurance coverage plan, it’s with the expectations that it will be an
invaluable weapon in your battle against dental problems. However, a surprising
number of Americans end each year without having meaningfully utilized their
dental care p
house lan. And it’s often not because they don’t need it. Rather, it’s a
weak understanding of what is available to them. It doesn’t help that insurance
plan documenta
find ion is peppered with terms that the average person isn’t
necessarily familiar with.
Your dentist is a great
resource in helping you know what is available to you. Nevertheless, your
ability to harness the full power of your dental insurance plan comes
down to you
business w are 5 Tips to Maximize Your Dental Insurance Coverage.
Table of Contents
·
1.
Attend Dental Exams and Cleanings Religiously
·
3.
Request Predetermination of Benefits
·
4.
Plan Multi-Stage Treatment Accordingly
1. Attend Dental
Exams and Cleanings Religiously
The cheapest way to ensure
your oral health is always in great condition is to visit your dentist
regularly for a dental exam and cleaning. Ideally, this should happen at least
twice each year. These services are often 100% covered by HMO
plans and 80-100% by PPO plans.
Once you get into this
routine, you will realize that problems are detected in good time and therefore
don’t require expensive procedures to resolve. Follow your dentist’s tips on
maintaining good oral health, preventing cavities and reversing gum disease.
2. Know the Annual
Limits
Virtually every dental
insurance plan has an annual maximum. This is the total amount the plan can pay
for each year.
If you’ve previously used
your dental insurance plan over the said year, you can get in touch with the
insurer to establish what amount remains available. Do this before getting
booked for any extensive dental treatment. If your dentist files a claim that
is denied because you have already reached the maximum of your plan for the
year, you’ll have to pay the outstanding amount out-of-pocket.
Your plan will also limit the
number of dentist visits, dental cleanings and dental x-rays that can be
carried out each year. Also, a visit to a dental specialist is billed
differently from a visit to your regular dentist. Understand these limitations
before you commit yourself to any procedure.
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