Since medical insurance and dental insurance are two entirely different things, it’s easy for people to get confused about the differences between them. That means you may not fully understand what your dental plan actually covers. Luckily, a dentist in Carrolton has put together a handy guide to help you understand the basics of your policy. Read along to learn a few helpful tips on how to properly navigate your plan.
Understand Your Coverage
Most dental insurance plans offer what’s described as “100-80-50” coverage. This sequence refers to 100% coverage on preventive care (i.e., checkups and cleanings), 80% for restorative treatments (i.e., fillings and root canals), and 50% for more extensive procedures (i.e., crowns and bridges). Of course, every policy is unique, meaning the exact amount of coverage you’ll receive can vary. If you need help understanding the details of your coverage, don’t hesitate to reach out to your insurance provider or ask your dental team for assistance.
“Out of Network” Does Not Mean “Out of Coverage”
In the medical world, there are some instances where “out of network” does in fact mean “out of coverage”. If you choose to receive treatment from a provider that’s not in your network, it could mean that none of the costs will be covered by insurance. However, that’s not the case with dental insurance. There may be little to no difference between what your insurance company will cover for dental providers in and out of network. When you choose an out-of-network dental provider, the percentage of treatment the insurance company covers reduces, but coverage is still available.
Choose Your Provider
Contrary to popular belief, your insurance company doesn’t dictate which dental provider you should be going to. Since you’re the one receiving treatment, it only makes sense that you should be able to decide who you are going to for care. To make the best possible choice for your needs, make sure you look at the difference in coverage between providers. While weighing your options, keep in mind that you may get what you pay for!
Remember That You Are the Customer
It’s crucial to remember that you are the customer of your dental insurance company, not the provider! Any company will reimburse the patient much faster than the practice. If you’re in a situation where you have to pay your dental provider in full, your insurance company will reimburse you directly in just a matter of weeks. It’s strongly recommended that you verify your own benefits, but a dental practice will be more than happy to help you figure it out if needed.
Deciphering the fine print and language on your dental insurance can be headache-inducing. However, following the tips outlined above can help you better understand your coverage and take the stress away from receiving the care you need!
About the Practice
At LuxSmile Family Dentistry of Carrollton, we offer comprehensive, exceptional, and high-quality dental care that’s unlike anywhere else. Our team will always go the extra mile to ensure every visit is as relaxing and enjoyable as possible. If you need help understanding your dental insurance, we’ve got you covered. Visit our website or call (972) 698-5988 to speak to a member of our team.