Dental insurance is a type of health insurance that reduces your out-of-pocket costs for dental care. It generally covers treatments that improve the health of your smile and prevent issues down the line. since you likely have to pay a premium for dental insurance every month, you might wonder if it’s really worth the cost. Read on to learn more about dental insurance and how valuable it is to your oral health.
How Does Dental Insurance Work?
Paying a monthly premium helps you pay for a variety of dental treatments. Most plans will follow a 100-80-50 structure; which means you’ll receive coverage at 100% for preventive care, 80% for basic treatments, and 50% for advanced procedures.
Additionally, there is usually a deductible you will need to pay out of pocket before any of your treatment costs are covered. Most plans also set a limit for how much care they insurance company will cover each year.
3 Benefits of Dental Insurance
So, what makes it worth it to purchase dental insurance? There are several important benefits of dental insurance that you should consider, such as:
- More affordable care: Most dental insurance plans cover the cost of two checkups and cleanings per year. This makes these biannual dental visits much less of a financial strain. You’ll also lower your out-of-pocket cost for most restorative treatments, which will make it easier to afford treatments that are important for saving your smile.
- Improved oral health: Attending dental checkups and cleanings gives your dentist a chance to detect oral health problems early on. This will help you avoid more complex and expensive oral health issues down the line. By taking full advantage of the benefits of your insurance plan, you can better protect your smile.
- Useful tools: Many dental insurance companies offer patients tools that will help them take control of their dental care. For example, Cigna has an app that allows patients to compare dental offices so they can find the one that fits them best.
How to Get the Most Out of Your Dental Insurance
It’s important to maximize your benefits before they reset at the beginning of the next year. Don’t forget to visit your dentist biannually for checkups and dental cleanings. If you need to undergo restorative treatments, they will likely take more than just one appointment.
For that reason, consider having the first part of this treatment completed before your benefits reset. This will ensure that you can receive more coverage on this procedure.
About the Practice
Arts Family Dentistry of Dallas treats patients living in the DFW area with the care they need to keep their smiles healthy and strong. This includes dental checkups and cleanings, two of which should be covered by your insurance plan per year. If you don’t have dental insurance, they also offer financing to help you spread out the out-of-pocket cost of treatment. To set up an appointment with Arts Family Dentistry of Dallas or for more information on their services, call their office at (954) 288-8582 or visit their website.