Shorter days mean the beginning of stargazing parties in Lancaster, and that also means we’re getting closer to the holiday season. That gets us wondering one thing: have you made the most out of your dental insurance plan in 2016? If not, there is still time to take advantage of your benefits. But the key to maximizing on your insurance is all in understanding how it works. Dr. Moriarty, your dentist in Lancaster, PA, has put together a handy FAQ to help you be a more informed consumer. Keep reading to learn more about your dental insurance.
Q: What does it mean if my insurance is in-network or out-of-network?
A: A dentist who is in-network with your dental insurance provider has come to an agreement with the company to provide certain services at a discounted rate to you. An insurance plan that is out-of-network has not agreed to provide services, but that doesn’t mean you can’t benefit from discounted care. PPOs, or preferred provider organizations, allow you more flexibility in choosing who provides your care. And an HMO, or health maintenance organization, may offer greater savings, but usually does not allow you to choose your own doctor.
Q: How much money can I receive in dental benefits each year?
A: Most dental plans have an annual maximum, or the dollar amount they will pay for your dental care. Once you have reached your annual maximum, you must pay for any remaining dental fees out-of-pocket. Most plans have a deductible, or the amount of money you have to pay out-of-pocket before your dental insurance kicks in.
Q: How can I find specific information about my dental insurance plan?
A: That’s a great question, as understanding the services you are eligible for is key to maximizing on your investment. Most dental insurance plans fully cover preventive checkups, dental cleanings, and annual x-rays. In exchange for a higher premium, or the amount you pay each month, your dental insurance may cover restorative care or certain cosmetic treatments, too. Contact your dental insurance provider or your employer’s human resources department to learn about the services you are eligible for in 2016.
Q: When do my dental benefits expire?
A: Most dental insurance plans are on an annual calendar, meaning when we welcome the beginning of 2017, your plan will renew. If your dental plan has a deductible, you will have to meet it all over again to receive coverage. That’s why we urge you to be strategic in 2016. If you have met your deductible but have not exceeded your annual maximum, consider how you can make the most out of your dental insurance before it’s too late. Have you received two checkups and cleanings for the year? Or are you in need of restorative treatments you have been putting off?
At Mor Smiles, we accept a range of dental insurance providers and likely accept yours. Take a look at our participating providers, and contact our office to discuss how you can use up your benefits before they expire. Dental offices are busy during October, November, and December, so schedule an appointment today!