Some people do not know how their insurance works. However, the best way to take full advantage of your dental coverage is to understand its features. That is why in this article, we will cover some of the basics of dental coverage with your health insurance, so you know what to expect when you need dental treatment.
Most insurance companies offer a variety of benefit plans that include different features.
You may have co-workers, friends, or relatives covered by the same insurance company as you but have different coverage terms. Therefore, you need to check with your carrier to know the benefit plans included in your insurance policy.
If your dentist participates in your coverage network, he/she will submit the claim
However, if your dentist is not part of your coverage network, you may be responsible for paying your dentist and submitting your insurance company’s claim.
Dental benefits vs. dental insurance
When people shop for a dental plan, they will encounter the term “dental benefits” way more often than the term “dental insurance.” Even when people refer to their plan as insurance, it is technically not one. The main difference rallies that an insurance plan is designed to reimburse covered people for a loss. This means that health insurance, just as car insurance, or home insurance, takes the risk to cover people if they need medical treatment.
However, a benefit plan is set up to only cover certain costs. This means that your dental benefits plan will only cover some procedures. That is why your dentist may recommend several procedures that are not completely covered or are just not covered at all by insurance companies, which is why you need to check your insurance policy to make sure how much your insurance company will cover your needed treatments.
Dental benefits are calculated within a benefit period
The benefits are calculated within a benefit period, which typically compromises a year. However, this year may not necessarily be a calendar year. You will need to check with your insurance carrier to know your specific benefit period and when you are approaching your deductible payments or plan maximums.
Basic terms to know
There are certain terms that you will need to know. Most health insurance companies will provide a glossary, but here are some of the key terms.
Annual maximum: Total amount that your dental plan will pay towards your dental care within a specific time period.
Deductible: This is the amount you must pay before a plan begins to cover any expenses.
Coinsurance: The out-of-pocket cost for a treatment that is paid even after the deductible is reached.
Where to look for a dental office in Phoenix that accepts insurance?
If you are looking for a dental office in the Phoenix Metro area that accepts insurance plans, you can come to Somos Dental. In Somos Dental, we work with several insurance companies, so you can get your needed treatment while getting the most of your dental benefits. If you want to know if your insurance will cover your dental treatment, you can fill our online form with a free diagnostic appointment. We will explain how much your insurance company will cover and what payment facilities we offer. You can also contact us through our phone number: 623-233-2668, or through our other contact methods, such as Facebook Messenger, Whatsapp, or SMS. We have six different locations in the Phoenix Metro area. We are located in Downtown Phoenix, Mesa, Desert Sky Mall, Laveen, Avondale, and Camelback.
Holidays special offer: Get your braces plan with a $0 down payment
For our holidays, we wanted to give the best present that it can be given, the presence of a beautiful white smile. In Somos Dental you can get your dental braces with a down payment of $0 until January 31st. You can schedule your appointment by filling our online form, which will also give you a free diagnostic appointment, so you get your braces while also taking care of your finances.