It’s important to have dental care when you need it, and with the numerous options for dental coverage, choosing a dental plan can be a daunting task. When choosing for your family, the dental options can take on a whole new meaning to pulling teeth. The best time to work at choosing a dental plan is December, as many insurance plans are based on yearly calendars and then expire at the end of the year. For those with current plans, unused benefits disappear, leaving many families with increased fees and fewer benefits. Finding and using your dental insurance before the new year can give you more freedom with gaining the treatments you need, and at our practice, we encourage insurance usage for even the most basic treatments.
The Steps for Renewing/Applying for Dental Insurance
Looking throughout the marketplace for dental insurance can be confusing, but we’re here to simplify it and give a dentist’s perspective on how to choose your coverage. According to healthcare.org, there are two versions of dental insurance: dental insurance that included medical coverage and dental insurance separate from medical coverage. When applying for coverage, the Healthcare website will ask for information that will determine your eligibility for certain plans, including:
• Name and date of birth
• Household members, including spouses, children, and dependents
• Home address, social security number, people applying for coverage
• Tax information, immigrant document information, employee information
• Current coverage information, employer information, estimated household income
Once you have all this information, the Healthcare website will showcase your eligible plans; while applying may seem simple, understanding what that plan covers and doesn’t has a drastic impact on your ability to pay less for treatments. To summarize, dental plans can be classified into three specific types, including:
Preventative – Preventative dental insurance plans cover annual and semi-annual visits, and cover procedures meant to prevent diseases, including dental sealants and fluoride treatments.
Basic – Basic coverage involves treatments for extractions, fillings, root canals, and gum disease treatment, with deductibles, co-pays, and coinsurance determining the out-of-pocket expenses. These policies tend to cover at least 80% of these procedures.
Major – Major dental insurance works to cover crowns, bridges, inlays, and implants at 50%, and require the patient to pay the most out-of-pocket expenses.
Tips For Choosing Family Dental Coverage
For families, considering the health and age of your members into your selected plan can either leave your family at a disadvantage or give your entire family great benefits for dental treatments. Here, we offer some advice to choose the best coverage:
• Consider all the costs, including the deductibles, out-of-pocket expenses, and premiums
• Find local plans within your area for more coverage
• Learn what treatments are covered in the plan
• Please pay attention to the waiting periods, or how long it takes for the insurance company to process your treatment payments
• Consider adding dental saving plans to aid in out-of-pocket expenses and co-payments.
To find out how your dental insurance covers the treatments you need in Somerset, KY, contact Somerset Smiles, run by Dr. Katherine King and Dr. Jeremy Nissen, and schedule an appointment for dental treatment today!