With terms like PPO, HMO, in-network, and out-of-network to describe dental benefits, it's no surprise that many don't understand how to make the most of their plan. This means you may be overlooking benefits that are critical to maintaining your oral health.
Don't settle for just what you understand as part of your coverage. Read on for 5 simple tips to take advantage of everything your plan has to offer.
The best way to take advantage of your plan is to ensure you know the type of plan it is and its deductibles, copayments, and annual maximums.
There are two main types of dental plans:
Key things to understand about your plan are its:
In addition to understanding the basics of your plan, it is important to explore all of the associated benefits.
Most individuals are aware of and will use diagnostic and preventative services for professional cleanings every 6 months. These services are often covered in full by HMO plans and between 80% and 100% by PPO plans.
However, there are other benefits that should be included both in your plan booklet and online. These benefits may cover restorative care (like fillings), major restorative care (like crowns and bridges), as well as orthodontic care. By doing your research, you can determine what procedures are covered, what limitations each procedure has, and if there are any exclusions.
One of the most significant challenges for many individuals is determining whether or not a dentist is in their network. This can be particularly difficult for plans that have multiple networks because dentists may participate in all or some of them.
If you choose a dentist that is out of your network, the amount of insurance coverage you receive for your treatments will vary. As such, seeing an in-network dentist allows you to maximize your benefits.
Coverage will differ if you go out of network on either type of dental plan:
To maximize your benefits, it is best to schedule treatments in advance to align with your annual maximum. In many cases, you can strategically plan multi-stage treatments with your dental professional to minimize your costs as much as possible. Of course, it is also important to be prepared for unforeseen dental emergencies.
Track claims as you receive treatment so you are aware of when you are approaching your annual maximum. After each appointment, review your treatment summary to see what your carrier covered. Then, subtract this amount from your annual maximum to calculate your remaining coverage for the given benefit period.
You sign up for dental insurance for the benefits and you should receive what you paid for. By utilizing each of the tips above, you can make the most of all your benefits and keep your smile looking great.
Dr. Rehder and the entire staff are friendly and compassionate. They accommodate my needs as a patient and treat me as a personal friend. Professionally, they provide the utmost care and advice, the patient always comes first. I can’t say enough positive comments about this practice.
~Review by Eileen S.
Dr. Rehder is very professional, yet not too serious as he is doing your teeth. He makes it relaxing and is able to keep your mind away from his work (I have never liked going to the dentist, but Dr. Rehder makes the experience as close to pleasant as a dentist visit can be).
~Review by Mary Ellen M.
Thank you Dr. Rehder and Christine for the "always exciting" and "never a dull moment" orthodontist appointment. See you in two weeks to do it all over again. Ok maybe-not ALL over again.
~Review by Elena C.
I had a great experience with Dr. Rehder. He is very informative and professional. All of the staff were so nice and helpful. My overall experience was one of the best I had with a dental office. I would definitely recommend people to come here.
~Review by Paulina C.
Professional staff. Makes you feel at ease, would highly recommend.
~Review by Diane S.
Always wonderful visits at Pinefield Dental. I've been a patient since the very early 90s. The staff is my extended family & takes care of my teeth with the utmost professionalism. This is my dental home.
~Review by Kenneth C.
The doctor and staff were wonderful. My experience is always great. The staff is very caring and always professional. The hours are very convenient as well. They will be able to accommodate anyone's schedule.
~Review by Amanda C.
Richard F. Gittleson, DDS Reviews No one likes/enjoys going to the dentist, but our dentist (Dr. Gittleson) and his staff are so pleasant they help relieve a patient fears.
~Review by Patricia L.
Highly recommended, I’ve been a patient since 1983.
~Review by Charles G.
~Review by Dom J.