How to Make the Most of Your Dental Insurance
If you have dental insurance, you may not realize what an excellent tool you have for preventing major dental issues! This is because your dental insurance likely covers most, if not all of your preventive cleanings and checkups. By visiting your dentist every six months with consistency, you can ensure that you stay on top of any concerns and you can typically treat those issues with less invasive procedures.
The Difference Between Medical and Dental Insurance
The major difference between medical and dental insurance is that dental insurance focuses on prevention, while medical insurance is meant for a catastrophe. Unlike your medical doctor, who you typically visit when you are sick and injured, you should visit your dentist at least two times per year, or every six months. This will help you avoid common dental issues like tooth decay, cavities, and periodontal (gum) disease because your dentist can detect these concerns early on.
What Does My Dental Insurance Cover?
While every dental plan is unique, there are a few things you can count on from your plan. Most cover the cost of six month cleanings and checkups, leaving you with very little out-of-pocket cost, if any, for these appointments.
Your plan will have a yearly maximum that constitutes the most that they will pay for treatment during your contracted year. This amount typically ranges from $1000 to $2000. Your plan may also include a deductible to be met before major treatment can be completed. This amount may be $50 to $100.
A typical dental plan covers a percentage of minor and major restorative work ranging from 50% to 80%.
How to Maximize Your Dental Benefits
Most dental plans run on a calendar year, meaning that your benefit starts in January and ends in December. This means that if you have outstanding dental work like a filling or crown, or you haven't had both of your cleanings and checkups for the year, you should call your dentist in Baton Rouge to schedule your appointment today. This way you will use up your benefit dollars before they run out at the end of the year.