638 N. Independence Blvd.
Romeoville, IL 60446
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Considering Dental Insurance: What’s the Benefit?

Dental Insurance: Woman with calculator and papers working at desk

Open Enrollment and End-of-Year Mean It’s Time to Evaluate Coverage

There’s a lot to think about this time of year, from elections to holidays. Dental insurance may not be top of mind, but it should be on the list. That’s true for two reasons:

  1. It’s time to opt in or out for the next year, and 
  2. If you’re currently covered, it’s time to be sure you’ve gotten all you can out of it before the calendar year resets your plan.

Have Dental Insurance? Know & Use Your Benefits.

If you’re already paying for dental insurance, there are a few things you should be sure to consider before the end of the year:

  1. Have you taken advantage of your preventative care inclusions? In almost every case, semi-annual cleanings and annual x-rays are covered. If you haven’t used them both yet, be sure to schedule an appointment as soon as possible to get this year’s cleaning in!
  2. Have you had dental work done this year and paid all or part of your deductible? If you’ve paid your deductible but have not yet reached your maximum coverage amount, check with us to see if there’s anything more needed before the end of the year so you can take advantage of the available benefits at lower costs than you would have at the start of the year.
  3. Have the benefits of dental insurance coverage been worth the cost of the premiums you’ve paid this year? It might be a good time to do some math. Calculate the total cost of premiums and copays throughout the year and compare that to what you would have paid without the coverage. This will help you determine whether or not you want to renew your coverage for next year.

Thinking About Buying or Renewing Dental Insurance? Read the Fine Print.

Contrary to popular belief, dental insurance does not really work the same way regular healthDental Insurance: Dental insurance form on a wooden table insurance works. Here are several things to bear in mind before signing up:

  1. Most plans pay less or none of the costs for out-of-network providers! So before making any commitments, give us a call to make sure we’re participating and eligible for coverage.
  2. The annual maximum benefit amounts are lower than you’re used to with regular health insurance. The most you can generally expect to have covered is between $1000–$2000 per year, and that’s only after you’ve met a deductible. 
  3. Even after you’ve met your deductible, most plans require copays of 50–80% depending on the service and provider.
  4. Watch for waiting periods and coverage exclusions. Many plans won’t cover anything that started before your policy started, and there is often a waiting period of six months or more before certain major dental work will be eligible for coverage. They may also restrict the number of times certain procedures will be covered.

Decision Time: What’s Next?

Here are the steps we’re recommending you take during the month of November:

  1. If you currently have dental insurance, evaluate to identify the remaining coverage benefits you should consider using before the end of the year.
  2. Compare the cost of coverage to the cost of expected treatment to determine the value of dental insurance to you and your family.
  3. Take good care of your teeth and gums at home.
  4. Schedule your second bi-annual cleaning and annual x-rays for 2021 if you haven’t had them yet.
  5. Remember, insurance isn’t the only way to handle the costs of dental care. We’re here to help. 

We hope that helps with your considerations and decisions about insurance! The main thing to remember is that we’ll be happy to hear from you any time with questions or requests.

To schedule your visit now, complete our contact form, or call our office at 815-886-0875

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Testimonials

 

Selena Nunez
Selena Nunez
October 22, 2022.

Hands down the best dental office to receive your dental and cosmetic needs. The staff is always very friendly and welcoming. It’s also so nice knowing that they have 3 amazing doctors on staff who know their craft. No matter which provider you see, you just know you’re in great hands. My last visit was with Dr. Sheikh for Botox. She’s very thorough and has a keen eye for detail. I’m two weeks out from my Botox treatment and let me just say, my skin has never felt so smooth or looked as radiant as it does now. Always a pleasure visiting Dr. Sheikh!

Victoria esposito
Victoria esposito
October 2, 2022.

Please look no further! This entire office has their act together. I’ve been seeing Dr Sheikh and she is so patient and gentle.She is also a perfectionist and listens to your concerns and delivers options. I’ve also seen Dr Nina and Dr Patel and certainly no complaints with either of them. I’ve had 3 crowns and numerous fillings and no problems with any of the work. Thanks for building my complete confidence!

Nancy Sauer
Nancy Sauer
September 29, 2022.

Today I had a great visit at Romeoville Dental! Anna and Jaime are wonderful, and so is Dr. Nina. The desk staff are very welcoming. It's always so enjoyable to come here.

Daniel Gonzalez
Daniel Gonzalez
September 28, 2022.

Excelente servicio

Neshelle Baker
Neshelle Baker
September 25, 2022.

I love Romeoville Dental Center! I’ve been here about 4 times and had a different hygienist and dentist each time. The entire team is amazing, every single person has always been caring, gentle and friendly. I highly recommend.

Gianna Munoz
Gianna Munoz
September 24, 2022.

By far the best dentist office I’ve been to. I love the patient care and the whole staff.

Phyllis Lanphear
Phyllis Lanphear
September 24, 2022.

The office staff and dentists are just awesome!! They take time to talk with you and make you feel so comfortable.