Given the importance of dental health, there’s no denying that dental insurance is vital as it can help keep your smile in shape and at a budget. But how does dental insurance work, and is it really worth it?
Well, you will have a deductible, an amount that’s made before the coverage starts. Most insurances cover between 20 to 80 percent of the bill, and so, if the deductible is $300 for instance, and your plan covers 75%, then your insurance will pay 75% of the remaining amount after you pay the $300 deductible.
So, is dental insurance really worth it?
Before you sign the contract, it’s imperative to read the fine print to know exactly what is covered. Ideally, it is imperative to keep the deductible in mind as you will be responsible for paying that amount out of pocket before the coverage starts.
When determining if dental insurance is worth it, it’s ideally important to know that most dental treatments are covered on a tiered scale. Preventative coverage, for example, is often covered at 100%. This includes x-rays, regular cleanings and checkups, etc. There’s also the basic dental procedures such as root canals, fillings, extractions etc. For these, your plan will most likely cover a certain percentage of the services after you pay the deductible.
Lastly, there are the major dental procedures such as bridges, crowns, dentures etc. In such, dental plans often cover a smaller percentage, meaning that you will be responsible for a more significant portion of the bill.
How Should You Utilise Dental Insurance?
Similar to health insurance, dental coverage has an array of in-network as well as out-of-network practitioners. If you use an in-network dentist, then you will pay less as the dental plan covers more. However, if you pick a practitioner in the out-of-network list, then you’ll end up paying a bit more. Some practitioners, however, might be willing to work on you in this regard, particularly if you’re an established patient. Ideally, it’s usually worth paying a bit more if you have found a reputable dentist.
Depending on your insurance and dentist, you may have to pay for your dental treatment at the clinic, and the insurance provider will reimburse the cost. If that’s the case, then it’s imperative to be prepared to pay out of pocket when you require treatment.
Your insurance company may ideally need pre-approval for dental treatment, other than checkups. So, ask the practitioner to submit the claims on your behalf in advance and contact the insurance provider going for treatment. If the procedure is an emergency, you should get in touch with the insurance company and inquire whether or not you still have to wait for pre-approval. Getting claims approved before the treatment day can save you time and stress as well.
Also, keep in mind that varying dental clinics have varying classifications of preventative, basic and major procedures. As such, how much you will have to pay out of pocket can vary substantially. So, ensure that you have all this information before signing up for the dental work.
Where Can You Get Dental Insurance?
You can purchase dental benefits on your own, or get them through your employer. If you’re self-employed, you should go for self-insurance, which simply implies that you save a particular amount of money every month/year for dental visits or treatments.
Are There Dental Coverage Alternatives?
A dental discount card is one of the common alternatives to dental coverage. It’s important, however, to weigh both options before making the final decision.
Regardless, it is imperative to set aside some money or get dental insurance to ensure that your dental work costs won’t be a hassle. If you’re prone to cavities and other dental issues, it’s imperative to go for regular cleanings and assessments. With dental insurance, you will save a lot of money in the long run.