When you’re learning about and considering dental insurance, several questions likely floated through your mind.
You want to know if the coverage you’re looking at will be enough to handle your dental needs in the future. You want to know if you’ll be paying for certain aspects of your dental care out of pocket, and if you are, how much it is going to cost. You want to know if cosmetic dental work like braces, which can cost upwards of $5,000, without coverage, and repairing chipped teeth counts will be paid for, at least in part. And you want to know if the process of having your insurance cover the dental visit is going to be straightforward or headache-inducing.
The following will point out some of the elements of dental insurance that you may not be familiar with, as well as some things to keep in mind to make sure that you understand your insurance policy and are prepared for any and all dental needs you might have.
Read Your Policy
First and foremost, before you even need to go to the dentist, you should read through your entire dental insurance policy. This is a good practice to get into regarding any form of insurance, as it will give you a basic idea of what is covered and to what extent. Even if you can’t find the answer to a specific question, you will be able to speak more knowledgeably about your policy when you call in for clarification if you know what your policy states.
Speak To Your Dentist About What They’re Used To
In addition to understanding your policy better, you might want to call your dentist and ask them about their experience with your particular policy provider, how long payments take, and what you can expect. They might be able to give you some tips and possibly even some tricks for dealing with your insurance provider to make sure that you’re getting the best possible bang for your buck.
For Specific Coverage Questions
When you have a question about a specific procedure or service, you can always contact your policy provider before booking the appointment to make sure that it will be covered (or to make other arrangements if it’s not). It might be in your best interest to mention that you’re doing this to your dentist before you call. Your dentist might suggest you word things in a certain way so that your provider understands how serious the issue is.
Regularly Compare Insurance Policy Providers
No matter what dental insurance policy you have, it’s a good idea to, once or twice a year, take a moment to research your current dental insurance policy and note whether or not any competitors are offering the same services for slightly less money. It turns out it’s incredibly easy to get a quote, and if you keep on top of this, you can bet that you’ll have a better chance of ending up with a great deal on dental insurance. Of course, before you switch providers, always check with your dentist to make sure your dental healthcare provider can work with the new provider you are considering.
Keep Track Of Your Dental Needs
Some people have hypersensitive teeth. Others have teeth that chip a little more common than normal. Some people are more prone to gum disease or cavities than others due to medical histories or genetic elements like having a dryer mouth. Some people smoke. Some people are super accident-prone (you know who you are) and tend to have more trips and falls and, therefore, more dental emergencies. Pay attention to your dental needs and make sure that your plan covers what you can expect to need from your dentist in a year. This, at the minimum, will include one to two cleanings per year, but for many people, it will include more.
Follow Your Dentist’s Instructions
No matter what your dental insurance policy is, you should always be taking into consideration the advice of your dentist. Their guidelines for brushing, flossing, eating, and smoking can make a big difference in how often you need to visit the dentist. This can end up saving you time, money, and pain in the long run.
By keeping the above information in mind, you are well on your way to understanding whether your dental insurance policy will cover the dental work you need. You will also be prepared to make a switch either within your provider to a new policy or another provider for a better deal, depending on your dental and financial needs.