Understanding Dental Insurance

Dental Insurance

Though many companies offer dental insurance, employees often find it difficult to determine coverage levels and deductibles. While it makes sense to maximize your benefits, people need to realize that dental insurance may not cover all of their dental care. Remembering these points about dental insurance will help you achieve your desired results without any surprises.

Fact 1: Medical and dental insurance do not work the same way.
People often assume that dental insurance operates just like their medical coverage. Typically, dental insurance doesn’t provide for as much care as medical insurance. Look at dental insurance as an aid, not a pay-all situation.

Fact 2: Dental coverage varies from plan to plan.
Before dental visits, you should contact your provider and find out if they accept your insurance. Then, ask for an estimate of benefits so that you have an idea of the out-of-pocket costs.

Fact 3: Some services are not covered by insurance.
Often, purely cosmetic procedures, like teeth whitening, do not fall into the parameters set by your dental plan. Having a stunning smile that you can proudly display may, however, be worth a little extra money.

Fact 4: Your plan and coverage levels can be confusing.
Usually, insurance plans utilize wording like “usual and customary” or “maximum plan benefits.” If you don’t understand something, call the insurance company directly to get clarification. Your dental practice may have personnel that deal with insurance companies who can help you as well.

Fact 5: Your dentist’s main concern is your dental health.
As your dedicated health care professional, your dentist will focus on ensuring you’re your teeth and gums are healthy, making treatment plans accordingly. Taking care of your oral health is an important component of your overall well being, so you need to make it a priority, even if you incur additional expenses.

If you live in the Shreveport, contact us today