What You Need to Know About Dental Insurance

Dental procedures can get pricy, even if you have insurance. It’s important to know what your insurance plan covers and what you’ll be paying out of pocket. Decide if dental insurance is worth it for you, and do your research about the best plan for your situation.

Preventative Care

Most good dental insurance plans will cover all preventative care expenses. This is important because preventative care is the best way to prevent larger, more expensive problems in the future. Routine checkups are important to your overall oral health.

Annual Maximums

Dental insurance plans typically have a low annual maximum. This is the total amount that they will contribute to any dental work throughout the year. If a procedure exceeds this amount, you will be responsible for paying the difference.

Many insurance plans will also require a deductible. This is the amount you will have to pay before the insurance benefits kick in. Make sure you know what the deductible and annual maximum is for your insurance plan.

Discount Plans

Many dentists offer discount plans in place of traditional dental insurance. While these plans will not pay for your procedures, they will provide discounts on most services in exchange for a monthly fee. Many discount plans cover preventative care costs, typically including two cleanings a year. We offer a Smile Plus Discount Plan, which provides a discount on all services with the exception of orthodontics. Unlike typical insurance plans, our discount plan will give you discounts on cosmetic procedures, as well as general dentistry procedures.

Waiting for Benefits

Dental insurance plans usually require a waiting period before you are eligible for benefits. Though preventative care is usually available immediately, other procedures may require several months of coverage before they will be covered by an insurance plan.

The best way to avoid exorbitant dental costs is by obtaining regular preventative care. Regular checkups and dental cleanings will help reduce the risk of more serious oral health conditions later on. To schedule your routine dental cleaning, contact Hyde Park Dental today!