Common Terms to Know:
- Premium: The amount you pay monthly for your insurance plan.
- Deductible: The amount you pay out-of-pocket before insurance kicks in.
- Copayment/Coinsurance: Your portion of the bill after insurance pays its share.
- Annual Maximum: The total amount your plan will pay per year.
Check If Your Dentist Is In-Network:
Choosing an in-network provider usually means lower out-of-pocket costs. Contact your insurer or the dental office directly to verify.
What’s Typically Covered:
Basic cleanings, exams, x-rays, fillings, and sometimes major procedures like crowns or dentures (partially). Cosmetic work like whitening is usually not included.
Tip: Keep track of your benefits usage‚ especially toward year-end‚ so you can maximize your coverage.
A bit of planning goes a long way when it comes to dental insurance and budgeting for care.