Whether you have dental insurance or you’re on the fence about committing to getting coverage, it’s important to understand how these plans generally work and how they can assist you with affording vital dental care! Here are five helpful things to keep in mind when it comes to dental insurance coverage.
1. Every Provider Is Different
Each insurance provider has their own prices and varying plans that they offer, so if you’re in the market for coverage, be sure to weigh all of your options against your individual needs. That way, you’ll be certain to have the coverage you need at a price you can afford. If you already have insurance and you’re planning to receive care, be sure that you’re reviewing the fine details of your coverage so that you aren’t committing to something that isn’t covered and minimizing your out-of-pocket costs whenever possible.
2. Most Plans Have Waiting Periods
When you first purchase dental insurance, you might be anxious to immediately begin addressing your oral health needs; however, you should know that many plans will require you to wait for a specified period of time before coverage begins to take effect. These waiting periods are often short or nonexistent when it comes to preventive care, but for restorative care, you might have to wait several weeks or a few months.
3. Dental Insurance Is Prevention-Focused
Dental insurance often fully covers the cost of preventive care. Insurance companies know that it’s cheaper to prevent serious oral health issues from developing and potential dental emergencies from occurring, and routine preventive care is the secret to this. On the other hand, you can expect to pay higher portions of expenses for more uncommon or restorative dental treatments.
4. PPOs Differ from HMOs
PPOs, or “preferred provider organizations” are a little different from HMOs, also known as “health maintenance organizations.” Although both are types of insurance, HMOs are usually cheaper and will only pay for services provided by dentists within their approved network. Meanwhile, PPOs allow you more flexibility with where you receive care.
5. Coverage Doesn’t Roll Over
Insurance plans generally operate according to the calendar year, meaning that your coverage will not roll over once a new year begins! This means that it’s always going to be in your best interest to take full advantage of your coverage and get the care you need. When you don’t use these allowances, you’re essentially dental care that’s already been paid for!
About the Practice
The team at Seahurst Park Dentistry is thrilled to provide patients and families in the Burien, WA community with an exceptional level of care. Under the leadership of Dr. David Thomas, the practice offers a wide range of preventive, cosmetic, and restorative options that are certain to help you achieve optimal oral health. If you have any questions about the article or would like to schedule a visit for you or a loved one, feel free to contact the practice online or over the phone for further assistance: (206) 244-4622.
