If you’re wondering how your dental benefits work, and how to make the most of them, here are 5 things you need to know about dental benefits.
1. Employer Plans Can be Most Cost Effective
Employer Plans are a result of large groups pooling resources to get better prices and coverage. If your employer offers dental benefits, you may be better off choosing their plan. But don’t be afraid to compare and shop around.
2. Find Out the Limits Of Your Policy (deductibles, scope of care)
Your policy may have a deductible, if so, review the details to ensure you understand both the deductible and the procedures that are covered and at what percentage they are covered. Review your documents to better understand everything you need to know about dental benefits, and the scope of your specific plan. Also, when possible, ask for a predetermination of benefits to plan financially for how much of each procedure is covered.
3. Know the Details
Not every dentist charges the same for each procedure. Price comparison while choosing your provider can assist in maximizing your benefits. Find a dental professional you can trust who shares your values and philosophy when it comes to oral health. Also review the details of your Explanation of Benefits to find out what you need to know about your dental benefits.
4. Orthodontic Care May Not Be Included
One thing you need to know about dental benefits, is that under most dental plans orthodontia is not covered. If this is a priority for you, you may want to consider what plan is best for you, and inform yourself on what is offered.
5. Use it or Lose it
Most dental benefits plan run on a calendar year, so if you do not use your benefits, you will lose what you paid for that year. Plan out long term procedures to maximize the most of your benefits in each calendar year, and be sure to schedule regular cleanings each year. If you find towards the end of the year you haven’t used your benefits to their full extent, call your dentist to make an appointment within the calendar year so you can make the most of your dental benefits.
Call our Lubbock Dental Office to make an appointment with a dentist who may be able to help you find out more about this topic, and improve your oral health.