Dental insurance is a wonderful resource that helps make the services you need to enjoy a clean, healthy smile more affordable. People who have insurance are more likely to undergo important preventive care on a regular basis, like the twice-annual checkup and cleaning. Keep reading to learn more about how your dental insurance coverage works and to find out how you can make the most out of it by visiting the team at Capron Park Dental.
How Dental Insurance Works
Dental insurance works with a heavy emphasis on prevention. By completely covering or discounting the treatments that help you avoid the need for costly, complex restorative care, investing in dental insurance can save you money in the long run.
Most dental insurance plans work on a fee-for-service basis, meaning that in exchange for a monthly premium of about $50 (usually), you are eligible for between $1,000 and $1,500 worth of care per calendar year after you have met your deductible. Most insurance plans do not allow unused benefits to roll over to the next year, so it is important to get as close to this annual maximum as possible before the benefits expire.
The typical dental insurance breakdown looks like this:
- Preventive care: 100% covered. Checkups and cleanings, x-rays, maybe fluoride treatments or dental sealants.
- Basic dental care: 80% covered. Fillings, root canal, extractions, periodontal therapy.
- Advanced dental care: 50% covered. Crowns, bridges, inlays/onlays, dentures.
Our office can provide a verification of benefits to help you understand what you are eligible for with your dental insurance plan.
In-Network vs. Out-of-Network
Visiting an in-network dentist is an excellent way to ensure you receive the full amount of benefits you are eligible for without having to wait for reimbursement. Still, you may be able to visit an out-of-network dentist and receive the same discounts on services. Most dental practices accept PPO (preferred provider organization) insurance plans. They will take care of the paperwork by filing and following up on the claim to help you maximize your insurance benefits.
Prevention Is Key
Dental insurance covers preventive care for a reason. It is the number one factor in helping you enjoy a healthy, clean smile for life. When you attend two checkups and cleanings per year, your dentist can catch issues like cavities and gum disease almost as soon as they develop to provide the most conservative treatment. Your dental hygiene team also removes plaque and tartar buildup and provides important tips for getting a better clean at home to help you avoid these issues altogether.
Routine dental care helps you keep all your teeth -- and because it’s free, you don’t really have a reason to skip it!
Learn More Today
To learn more about how dental insurance works and which providers we work with at Capron Park Dental, please do not hesitate to get in touch with our team! Contact us or request an appointment online today.