Dental insurance is critical for the modern family budget. Preventive and restorative services, such as cleanings, exams, sealants and fillings can really add up. Yet, they are so needed to keep kids and parents smiling. Dentist in Scarborough, Dr. Samantha Amaro, reminds her patients to use dental insurance benefits before the end of the calendar year. White Willow Family & Cosmetic Dentistry participates in many major dental insurance plans and assists patients in understanding and using their policies.
Dental Insurance Helps Those Costs
No one should compromise on their dental health services just to stay on budget. Cutting back on routine oral exams, cleanings and restorations can really damage teeth and gums and lead to complicated, painful and expensive treatments. Remember, the health of your smile impacts your systemic health. If your teeth and gums are disease-free, well-aligned and attractive, your personal well-being thrives.
So, if you have dental insurance from your employer or private pay on a policy, understand the services your plan covers. Most policies from major insurance companies cover services such as:
- Periodic oral examinations
- Hygienic cleanings
- Digital X-rays as needed for diagnoses and to track tooth development
- More complex restorations such as crowns, dental implants, dentures and fixed bridgework
- Fluoride treatments
- Dental sealants
Dental insurance policies frequently pay just a percentage of fees. Some require patients go to in-network dentists (PPOs) who render services for an agreed-upon amount. Find out what fraction of costs the policy will cover or refund back to you after treatment.
For example, if a dentist is not an in-network provider, and a six-month exam and cleaning costs $80, the plan may pay the dentist (or rebate to the patient) only $55. The balance of the bill is the subscriber’s responsibility. Whatever way your plan works, however, you should take advantage of that substantial discount, and get the care you need.
Benefits End December 31st
Dental insurance plans offer an annual maximum benefit– for example, $1500. If that maximum benefit is not used within the year, it is lost and resets at the beginning of the new year. Individuals and families should make or keep their routine dental appointments for exams, X-rays and cleanings so they use as much of that annual maximum benefit as possible.
Dr. Amaro tells patients to remember the reason for having dental insurance: regular care keeps smiles healthy. Dental insurance is not catastrophic insurance. Instead, it helps families get preventive services regularly and avoid high ticket services such as dental crowns, implants and gum disease therapy.
Use Up Those Dollars Now
Dr. Samantha Amaro and her team at White Willow Family & Cosmetic Dentistry understand how dental insurance works, can your file claims and help you maximize your benefits. Individualized treatment plans always detail your costs, out of pocket expenses and what your insurance is expected to cover.
Contact White Willow Family & Cosmetic Dentistry to schedule routine appointments for you and yours. Maximize those benefits, and keep smiles healthy and bright for 2017 and beyond.