March 6, 2019
Besides your home oral hygiene habits, the American Dental Association recommends you visit your dentist at least twice a year to keep your teeth and gums healthy. Dental insurance makes it easy to get the care you need. Now, over 77% of Americans have dental benefits; however, one-third of adults still did not see their dentist yearly. Not to mention, less than 3% of Americans meet or exceed their annual benefits. Often, many people do not visit their dentist in Plano because they do not understand how their insurance works, or they do not have coverage. No matter the reason, you have many options to get the affordable care you need for a healthy smile.
Maximizing Your Dental Insurance
Dental insurance differs from medical coverage because it focuses on prevention to reduce your long-term costs for care. In fact, every $1 spent on prevention can save $8 to $50 on restorative and emergency services.
Now, most Americans receive their dental benefits from their employer. You pay your monthly premiums for your policy, which is usually automatically deducted from your paycheck. Besides the monthly premiums, there is an annual deductible you must pay before you can use your benefits to cover restorative treatments until you reach your yearly limit.
Depending on your specific policy, your coverage may include:
- 100% preventive care, such as cleanings, checkups, and x-rays.
- 80% minor restorative treatments, like fillings.
- 50% major restorative procedures, like root canals.
Your insurance carrier recommends you visit an in-network dentist to make the most of your benefits. This means they have pre-negotiated rates with the dentist to reduce the amount you need to pay out-of-pocket. Although it is preferred to visit a dentist in your network, you have the freedom to see any dental practice that accepts your insurance. If they are out-of-network, you can still use your coverage, but you will need to pay the difference between your insurance’s allowable amount and the dentist’s fees.
Your dental insurance expires at the end of the year. You are not reimbursed for any unused benefits and they do not carry over for accumulation. It is best to maximize the value of your policy every year to get the affordable services you need while ensuring your coverage is not wasted.
In-House Savings Plan
If you do not have dental insurance, you can still visit your dentist for affordable rates with an in-house savings plan. You pay a low annual fee to enjoy comprehensive services to keep your smile healthy. You will also receive a discount on any treatments you may need, including cosmetic and periodontal services.
Get a Healthy Smile Today!
There is an affordable option for you to maintain a healthy smile for reduced rates. You can ensure your teeth last for a lifetime by visiting your dentist regularly.
About Dr. Bita Kamali
Dr. Bita Kamali strives to provide affordable dental care to the community. She is in-network with many leading insurance carriers and offers an in-house savings plan to help you get the services you need for optimal oral health. Contact Parkway Vista Dental today to schedule your appointment.