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Family Dentistry and Orthodontics in Greencastle IN
dentist insurance

Visit Your Dentist Before Insurance Benefits Expire!

November 10, 2022
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Posted By: MSP
dentist insurance

Use Your Insurance Benefits Before It’s Too Late

If you have a dental insurance policy and haven’t been to Greencastle Hometown Dental this year, then now is the time to get your teeth checked. There is one thing to remember when it comes to dental insurance benefits–if you don’t use it, you lose it. Why pay a monthly premium for a policy that is going to waste? 

Read on to learn more about how your dental insurance policy works and how you can take full advantage of its benefits before the end of the year.

What Are Dental Benefits?

Dental benefits are the cost-free treatments you get from subscribing to a dental insurance plan. Generally, most health insurance companies are straightforward and specify the type of services they cover. 

 

What Does Dental Insurance Cover?

Oral insurance plans typically cover the cost of preventive care, fillings, root canals, oral surgery, and crowns. However, some dental procedures may include restorative and orthodontic treatments such as braces, dentures, Invisalign, and bridges. 

 

Understand Your Maximum Benefit

When you pay for your dental insurance each month, you’re paying for coverage up to a certain point. That coverage amount is your annual maximum. When the year ends, everything starts over, and you start building back up to that max from zero again. 

 

It means that the money you were supposed to use for essential dental treatments goes down the drain, which is a massive gain to the insurance company and a sad loss to you. That’s why you should never skip out on your dental checkups. Regular oral checkups help you maintain oral health and give you the most bang for your buck.

 

Understand Your Insurance Deductible

Your deductible also resets at the beginning of the new year. It is the amount that you must pay out of pocket before insurance kicks in. Most health plans use the 100-80-50 structure to specify their contribution to certain dental services. The amount will vary from plan to plan. 

 

All this means that the cost of preventive care could be 100% covered, basic treatments 80% covered, and major dental procedures covered at 50%. Additionally, some insurance companies may not cover cosmetic treatments such as teeth whitening or crowns.

 

100% Dental Coverage on Preventive Dental Procedures

Your dental insurance policy isn’t just for getting your teeth fixed. It’s about maintaining excellent oral health and preventing disease before it starts. Most dental insurance plans cover 100% of the following up to two times per year:

 

  1. Regular professional teeth cleaning 
  2. A dental examination 
  3. Dental x-rays

 A bi-annual cleaning will help prevent cavities and keep your oral health in tip-top shape. 

 

Dental x-rays are invaluable because they show problems that aren’t visible to the naked eye. Small cavities between your teeth can be hard to detect, and abscessed teeth are sometimes only seen through x-rays.

 

A dental exam is more than just checking for cavities. Your dentist inspects your soft tissues and looks for suspicious areas related to oral cancer. They examine your thyroid, lymph nodes, and jaw joints. 

 

Taking advantage of your dental benefits will always be a win for you. An easy way to effectively use your benefits is to schedule preventive care visits early.

 

Visit Your Dentist in Greencastle Before Your Insurance Benefits Expire

Please see us at Greencastle Family Dental in Greencastle, Indiana, to ensure you use the maximum dental insurance benefits before your time runs out.  


 

 

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