If you recently signed up for dental insurance, it’s important to know that it’s vastly different from medical insurance. While medical insurance typically pays for treatment as health issues arise, dental insurance primarily covers preventive care, encouraging patients to avoid problems in the first place. However, the specific coverage you’re entitled to will vary greatly from plan to plan. With that being said, here are four helpful things to keep in mind as you begin planning out how to use your dental insurance.
1. Being Out-of-Network Doesn’t Mean You Won’t Get Coverage
For many medical insurance plans, being out-of-network with a healthcare provider means your plan won’t grant you any coverage at all. When it comes to dental insurance, this is not necessarily the case.
Being out-of-network with a dental practice may simply mean that the percentage of the cost of a treatment the insurance company would cover is reduced. However, chances are you will still receive some coverage. In fact, the difference in coverage between an out-of-network and in-network dentist is often negligible.
2. If You Have a PPO, Then You Pick the Provider
PPO plans are incredibly popular because they let you, rather than the insurance company, decide which dentist you can visit. They provide you with more freedom overall, which is ideal if you’re the kind of person who moves frequently.
3. Read the Details of Your Plan
Like most types of insurance, dental insurance is specific to each individual. Even if you and your coworker signed up for the same type of plan at the same time, your plans can still vary wildly. It’s worth it to take the time to read through your plan’s details. That way, you have the ability to choose the sort of care that meets your distinct needs.
4. Insurance Companies Prefer Patients Over Dentists
Be aware that insurance companies prioritize you over your dental office. This is because they view you as the customer, instead of the practice providing you with care. If you ever need to pay for a dental procedure in full, the insurance company will do their best to reimburse you directly.
That said, dental practices will often gladly file your insurance claims on your behalf to help you maximize your benefits and minimize your out-of-pocket expenses. Your dentist wants your care to be affordable just as much as you do!
About the Practice
At Lake Oconee Dentistry, patients can find flexible appointment scheduling, top-notch dental experts, and affordable financing under one roof. Each member of our team is dedicated to helping patients achieve and maintain their healthiest smiles. We also strive to provide affordable dental care. That’s why, during your first visit, we can conduct a complimentary benefits check to help you make the most of your coverage. We welcome all insurance plans and offer low-interest third-party financing options. If you have questions about using your insurance at our practice, don’t hesitate to visit our website or give us a call at 706-453-1333.