October 28, 2018
Congratulations – you’ve almost made it through another year, but there are some loose ends that need to be tied up before the calendar resets. One area that should be given attention is your dental health and your usage of your dental insurance. Only 2.8% of Americans take full advantage of their coverage by maxing it out by the end of the year, but your dentist in Ardmore encourages you to get the most value out of your monthly premiums. Learn how an end-of-the-year visit can help out as you continue reading!
How Dental Insurance Works
Your dental insurance is separated into three groups. The following explains what your obligation is for each type and gives examples of the procedures covered:
- Preventive – The six-month care offered by your dentist is the best way to prevent oral health issues and see the greatest return on your dental wellness investment. That’s because insurance companies will typically cover 80-100% of the costs of these visits.
- Basic – If you need a cavity filling or root canal, it falls into the category of basic coverage. Insurance companies will typically pay 60-80% of the costs of these types of procedures. Notice, as dental treatments become more involved, the available coverage decreases.
- Major – Dental crown restorations, bridges and dentures are considered to be major dental procedures. Patients will be responsible, on average, for up to 50% of the fees.
One fact that can be gleaned from the above is that the more involved procedures are, the less coverage there is available, which means higher out-of-pocket costs. The logical choice is to take advantage of preventive care since it offers the greatest cost-to-benefit ratio.
What Happens at the Six-Month Visit?
When you visit your dentist for preventive care, you’ll receive a thorough cleaning, a careful examination and you’ll be able to ask questions about how to improve your oral health. These proactive efforts help to stop harmful bacteria in their tracks, fortify your oral health and ensure that your monthly investment into your oral health is put to excellent use.
Why Now is the Time to Visit
It’s not only important to visit your dentist for a checkup to prevent oral health issues, but it also ensures that you aren’t wasting your coverage. Dental insurance typically renews at the start of a new year. Thus, if you didn’t take advantage of the two preventive care appointments that would have been paid for in the previous year, you simply lose them; they don’t roll over into the next year.
Thankfully, you have the power to make your dental insurance fully beneficial. To schedule your first appointment, give Lorrie a call, and she’ll be glad to walk you through the process to starting a new era in your life!
About the Author
Dr. Robert V. Hughes earned his dental degree from the Baylor University Dental School and then went on to serve his country as a Captain in the United States Air Force. He has been providing the Ardmore community with expert care for nearly 50 years and throughout his career, he has never wavered in his commitment to learning more, which is why he has taken over 1200 hours of continuing education. Dr. Hughes accepts new patients at his private practice, and he can be reached for more information through his website.
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