Let’s face it, getting dental care is essential, but it isn’t cheap, and working with insurance companies can be a significant obstacle if you don’t know what you’re doing. While managing tasks like medical imaging, cleanings, and basic maintenance is simpler to understand, maximizing your insurance benefits depends on understanding your coverage.
You pay insurance companies a monthly premium to maintain coverage on a range of services. In most cases, they have copays, deductibles, coinsurances, and maximums for coverage that must be used within a specific timeframe. To help you get the most out of your insurance, let’s find some ways to maximize the benefits of your monthly premium.
Newberg, Oregon, residents can receive reliable and excellent family dental care from Dr. Kyle Kern and his team, who are dedicated to your long-term oral health. We understand that health insurance can be challenging to manage at times, and we do what we can to offer the best services within your means.
Generally speaking, your dental insurance forms a contract between you and your provider, whether it’s a monthly premium you pay through your job or on your own. For oral health, it's designed to manage preventive treatment to avoid tooth and gum problems and often covers part of the restoration of teeth, such as crowns, fillings, and minor repairs.
Preventive, basic, and major care are covered differently by each insurance company. Preventive services are covered 100% depending on the frequency limit, which is based on how often you visit. The benefit dollars available play a role in these costs, so if you have more treatments or cleanings per year than your insurance covers, you pay out of pocket.
The most you can use in a year for benefits laid out in your plan is known as your annual maximum, and while you do pay the amount you owe when you go above it, the big question is what happens when you don’t use it all? In most cases, benefits don’t roll over, and, in many cases, people don’t use all of the annual maximum.
Not only that, but if you have to put a procedure off, or if you’re receiving elective treatment, whether or not you’re entirely or partially covered can depend on where you are on your annual maximum.
If you want to make the most of your insurance and get as much dental care as possible, it's key to know what services you’re covered for and what your dental needs are. Once we assess your dental needs, it’s easier to map out a plan for managing oral care based on your coverage and affordability, which also helps you stay on track for your annual maximum.
The result is better care for your teeth without the fear of paying too much or worrying about covering costs when insurance runs out. Maintaining healthy teeth is our priority, and the less you have to be concerned about to do that, the better we’ll all be.
For questions and concerns about keeping your dental needs within your insurance budget, contact Dr. Kern and his team today.
