October 9, 2018
An alarming statistic shows that of the people with dental insurance, only 2.8% will max coverage by the end of the year. That results in millions of people missing out on the dental care they need and leaving themselves vulnerable to a host of oral health problems. Your local dentist says there is a simple and easy way to reverse this trend, and you’ll learn about it as you continue reading!
How Does Dental Insurance Work?
Dental insurance will usually only cover procedures considered to be vital to your oral health. Thus, any work done solely to improve the aesthetics of your smile typically require you to pay completely out-of-pocket.
The following shows how different types of care are classified:
- Preventive Care – If you’re looking for the best way to maximize your dental coverage, then preventive care is the answer. These six-month appointments are usually completely covered by your dental insurance and offer a chance to have your teeth professionally cleaned and examined.
- Basic Care – The next level of care is considered ‘basic’ and consists of procedures like cavity fillings and root canal treatments. Your copay will average around 20-30% of the total cost.
- Major Care – For more complex care like a crown restoration or dental bridge, you can pay up to 50% of the total cost.
More Benefits of Preventive Care!
Not only do preventive care visits save you money initially, they will also spare your wallet in the future. That’s because they allow your dentist a chance to thoroughly examine your mouth, teeth and gums. Thus, if there are any issues lurking, they can be addressed with less complex forms of treatment.
What Happens When You Skip Visits?
Missing your routine check-ups not only leaves you more susceptible to oral health issues that cost you more money and unnecessary suffering, but they also amount to wasted monthly premiums.
The average person spends around $100 monthly on dental insurance. Thus, failing to visit the dentist amounts to at least $1200 lost annually.
Furthermore, most insurance companies will renew coverage at the beginning of the new year; therefore, the missed opportunities to receive preventive care in the previous year can never be regained.
Now that you know how to get more out of your dental insurance and better protect your hard-earned money, the next step is to take action before the year ends. Reach out to your local dentist and schedule a visit so you can carry excellent oral health and more cash into the new year!
About the Author
Dr. Katie Montgomery is a graduate of The Ohio State University College of Dentistry, where she earned a DDS degree. She has since gone on to notch over a decade of experience practicing dentistry, seven of which have been private practice. She takes pride in providing every patient with compassionate and competent care, which is why she takes continuing education courses annually. Dr. Montgomery is eager to help you enjoy excellent oral health at Montgomery Family Dental, and she can be reached for more information through her website.
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