When looking over your dental insurance, it’s easy to get overwhelmed. What’s covered and what’s not? What doctor can you go to? How often can you go for cleanings? To help you navigate the complicated world of insurance, we’ve put together some tips so you can get the most out of your dental benefits.
Understand Your Plan
As boring as it may be, it’s important that you carefully read through your insurance plan’s documents. There are many tools and services to help you figure out your plan, and if you’re ever confused, be sure to make the most of your insurance company’s help line. It’s always best to double check! Our team is also always happy to verify your coverage once your treatment plan has been outlined.
Depending on the kind of plan you have, you could be limited to the dentist you see based on whether or not they are in-network. Some plans only allow you to see a dentist who takes your insurance, while others allow you to see dentists outside your provider. Chances are good, though, that if a dentist is out of your network, you’ll have to pay a higher fee. By staying in-network, you are able to get your dental work taken care of at a lower cost to you.
Know Your Maximums
Most insurance plans have annual maximums, or a total amount that your policy will pay each year. You should know your limit and plan accordingly. If you need expensive dental surgery, be sure to call your insurance company and figure out how much they will pay and whether or not you’ve reached your maximum yet. It’s also important to know how many services like cleanings and exams your plan covers in a year.
Read Your EOB
An Explanation of Benefits, or EOB, is provided to you when your claim is paid or denied. It’s important that you read the EOB and compare it to your receipt of the dental services you received. You want to ensure that your insurance has paid your claim correctly, or, in the case of a denial, that you can call your insurance and find out why the payment was denied.
Get Regular Cleanings & Exams
Most dental insurances cover cleanings and exams every six months, so be sure to take advantage and get the services you are paying for. Call us today if you have any financial questions or need to schedule an appointment.