How Does Dental Insurance Work?

How Does Dental Insurance Work?

December 13, 2017

It’s a good idea to get dental insurance to help cover your care, but finding the insurance that’s right for you can be confusing. If you’re curious about dental insurance, here are some important facts about how it works that can help you find a plan that’s right for you.

Terms to Know

Navigating the world of insurance can be confusing, as there tend to be a lot of terms the average person might not know. Here are a few terms to know that will make your insurance shopping easier.

  • Deductible: This is the amount of money you have to pay out-of-pocket before your insurance will take over and pay for your procedure. It’s a good idea to find a low deductible so that you have to pay less of your own money.
  • Copay: This is a fixed amount you’ll have to pay for certain services. For example, a dental visit might cost $25 under your insurance plan.
  • Maximum: This is the maximum amount of money in a year that your insurance will shell out to cover your procedures.

How to Get Dental Insurance

  • Shop Around: It’s a good idea to get quotes and do some research until you find an insurance plan that works for you and your budget. Be sure you look at how much each plan is as well as what it covers. A cheaper plan won’t do you any good if it doesn’t cover routine care you might very well need.
  • Enroll: Once you find a plan that works for you, enroll. You usually need to pay your first bill before the coverage takes effect.
  • Make an Appointment: At your first appointment, you’ll need to provide proof of your insurance. Be sure to bring your insurance card with you so that your dental office can put you into their system.
  • Pay your Bill: Be sure to pay your bill on time to keep your insurance plan active.

Your insurance company will also be happy to help you answer any questions you might have about your plan. While it might be confusing at first, dental insurance is a great asset that can help you afford much-needed procedures.

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