Your Dentist in Ardmore Says Don’t Waste Your Dental Insurance!

October 31, 2018

Filed under: Uncategorized — guthrieddsteam @ 8:37 pm

dental insurance form pen glassesA recent data set reflects some excellent news: that 77% of the population now has dental insurance. The bad news, however, is that only 2.8% of that group maximize their coverage by the end of the year. That means the vast majority of people with dental insurance are missing out on valuable care. As the end of the year is rapidly approaching, your dentist in Ardmore has a remedy for getting more from your dental coverage so you can see the greatest return on your investment!

Dental Insurance Explained

Dental insurance is reserved for care that directly impacts your oral health. Thus, treatment methods like porcelain veneers or Invisalign clear braces typically require the patient to pay completely out-of-pocket.

For the procedures that are covered, here is how they are categorized:

  • Preventive Care – Examinations, cleanings and X-Rays are some of the functions of a preventive care visit. Most insurance companies will cover 80-100% of the costs of these appointments.
  • Basic Care – If you need a root canal or a cavity filled, it is considered to be basic care. Your out-of-pocket costs will range from 20-40% of the total bill.
  • Major Care – Procedures like the placement of a dental crown, a bridge or dentures, are considered to be major care and can leave you with up to a 50% copay.

Preventive Care for the Best Value

Since insurance companies provide the most coverage for preventive care visits, it is only logical to take advantage of these appointments. Typically, you’ll visit your dentist every six months to receive a thorough cleaning and examination. While there, you’ll also be able to ask any questions you may have about ways to better care for your mouth, teeth and gums.

Additionally, by taking this proactive approach to your oral health, you’ll ease some of the pressure on your wallet by preventing costly dental procedures down the road.

What Happens to Dental Coverage When Unused?

Most dental insurance companies will renew coverage at the beginning of the new year. Thus, if you have unused coverage from the previous 12 months, it is lost. For carriers who allow a rollover, there are usually steep penalties that still leave you with very little access to the previous year’s coverage.

So before the year ends, take a step in the right direction, and reach out to your dentist to schedule a preventive care visit. With the help of your local expert, you’ll be able to enjoy the best oral health possible, which will help to carry some positive energy into the new year!

About the Author

Dr. Venu Chimmiri earned his dental degree from New York University, and he has gone on to practice dentistry for over a decade. A Fellow of the Academy of General Dentistry and the International Congress of Implantologists, he takes pride in offering comprehensive care in all areas of dentistry. Dr. Chimmiri treats patients of all ages at Meriden Dental Group, and he can be reached for more information through his website.

 

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