One of the key components to protecting your oral health is to maintain dental insurance. To maximize the benefits, though, you need to know how different dental procedures are covered, when your coverage renews and how preventive care appointments provide the greatest value. Your local dentist explains the nuances of dental insurance so you can enjoy the best oral health possible!
What Does My Dental Insurance Cover?
Dental insurance is primarily reserved for procedures that are considered to be vital to your oral health. Thus, treatments designed to deliver aesthetic improvements like teeth whitening and porcelain veneers, are not covered.
The following lists the three basic types of dental insurance coverage and the applicable procedures:
- Preventive – You are able to see the greatest return on your investment into your oral health by maintaining six-month visits with your dentist for preventive care. Better yet, insurance companies will typically cover up to 100% of the costs of these visits.
- Basic – The more common forms of dental restoration like cavity fillings and root canals fall into the category of basic coverage. The average patient contribution is 20% of the cost.
- Major – Dental crown restorations, bridges and dentures are considered to be major dental procedures. Patients will be responsible, on average, for up to 50% of the fees.
The Value of Preventive Care!
It’s not enough to just have dental insurance. To receive the maximum benefits from it, it’s imperative to visit your dentist for preventive care at least twice a year.
These visits leave you with clean teeth, allow you to ask your dentist any questions you may have and provide you with a thorough examination that will identify any developing problems.
More importantly, semi-annual care prevents costly procedures and unnecessary suffering down the road. Therefore, you can focus more on managing your oral health than treating complex conditions.
Use It or Lose It!
At the beginning of the new year, your dental benefits will renew. Thus, if you haven’t taken advantage of your current coverage, it will be lost.
So as the end of the year is rapidly approaching, it’s imperative to schedule a dental visit so you can put your monthly premium to the best use.
A Dentist with No Restrictions
To get the care you need, it’s important to find a dentist who accepts all insurances without restrictions. Thus, you can rest assured that you’ll be able to enjoy the best oral health possible.
Take your oral health to a new level and get the most out of your dental insurance before the year ends by contacting your dentist to schedule a visit today!
About the Author
Dr. L. King Scott is a graduate of Louisiana State University School of Dentistry. Throughout his nearly 40-year career, he has taken countless hours of continuing education, and he has studied under some of the brightest minds in the field of dentistry. Dr. Scott accepts all types of dental insurance at his private practice, and he provides patients with comprehensive and compassionate care. He can be reached for more information through his website.