Growing up, your parents or guardians must have instilled a deep respect for flossing and brushing as integral components of good dental hygiene. But what needs to command a similar level of respect when it comes to your dental health is dental insurance. Good dental coverage is essential if you want to cut down on the costs related to even common procedures, like a root canal. Read on to find some great ways to get the most out of your dental insurance.
1) Visit your Dentist for Exams and Cleanings Regularly
You know what they say: prevention is better than cure. And in the case of dental health, prevention can cost you almost nothing at all. Dental exams and cleaning services tend be completely covered by PPO plans. Regular check-ups ensure that any troubling problems are detected early on, and so cost a lot less to treat. You can avoid expensively extensive dental work by not letting the problem proceed beyond its early stages.
2) Understand your Dental Plan
It is vital for you to understand the limitations and provisions of your dental insurance plan in order to use it appropriately with the costs involves. So do make sure you read through the documents before you end up using the benefits. Understanding the processes of the plan in greater detail will prevent claim denials or unanticipated dental bills.
3) Always Stay In-Network
Staying in your dental plan network will incur the least out of pocket expenses possible, whether you are covered by a PPO (Preferred Provider Organization) or an HMO (Health Maintenance Organizations). With most HMOs, in fact, you will tend to not receive any coverage at all if you stray far from the network. And with a PPO, you will be able to make use of provisions for fee reduction when you work with an in-network dentist. These fee reductions tend to be 10 to 35% off the regular fee. Not only that, but you also get the highest amount of coverage this way. Using an out of network dentist will cause you to receive coverage at a lower level.
Schedule your Procedures
In order to get the most out of your dental coverage, be smart about timing. For example, if you’ve been recommended to get a total of 6 procedures done. It would be a good idea to figure out when your annual benefits renew, and then get only the most pressing problems fixed before that date. Doing them all at once could end up with you exceeding your maximum benefits. In this way, however, you could get three procedures done in the months preceding your renewal date, and then the remaining ones after. This will have the effect of your coverage not running out on you. Plan your treatment stages in order to maximize the insurance plan payments. Additionally, if you haven’t yet used your benefit for the year and require dental work, try to get it done before the benefits expire.
Let Barich and Associates help you find the best Dental Insurance plan and avoid pitfalls that might lead to inadequate dental care. Get a free quote today!