How Dental Insurance Works
Whether you have dental insurance through your employer, the state, or a private plan, you probably want to know one simple thing: “How can I get the most out of my policy?” At Marble Dental Care, we strive to make our services as affordable as possible, so we always maximize our patients’ insurance plans regardless of their provider. Below, we’re going to share 2 quick tips on how to get the most out of your coverage at every visit.
1. Focus on Prevention
Dental insurance works a bit differently than medical insurance, in that it is mostly geared towards helping people afford services that prevent dental issues. This approach is not only more cost-effective than simply fixing dental problems as they pop up, but it also lowers a person’s chances of needing more extensive and expensive procedures over time. That’s a win for both your smile and your wallet!
While every individual plan’s benefits are different, your coverage likely breaks down something like this:
- Preventive Services are covered 100% (these include checkups, cleanings, routine X-rays, fluoride treatments, and dental sealants).
- Restorative Services are covered 50-80% (these include fillings, crowns, bridges, dentures, dental implants, extractions, and root canals).
- Cosmetic Services are NOT covered because they are considered elective (these include teeth whitening, porcelain veneers, direct bonding, etc.).
So, just by getting your two recommended checkups and cleanings each year, you’ll not only be taking care of your smile, but you’ll be using your plan in the most effective way as well.
2. Go In-Network
Visiting a practice that is in-network with your plan is an easy way to squeeze even more savings out of your policy. In short, when a practice is in-network, this means they have agreed to provide their services at reduced rates to everyone covered by a particular provider. Out-of-network practices haven’t done this, so they can basically charge you anything they want, and any additional costs are usually passed on to you.
At Marble Dental Care, we make it easy for insurance patients to come see us because we are in-network with a long list of the most popular PPO plans, which you can view here.
And that’s it! Just with these two tips, you can easily save hundreds on your dental visits and thousands on your family’s care every year. To learn more about dental insurance and how we can use your particular plan to help you save, contact us today.