How Can I Make The Most Of My Dental Insurance? Our Top 5 Tips
If you’re looking to make the most of your dental insurance in River District, you’ve come to the right place. In this guide from River District Dentistry, we’ll discuss 5 quick tips you can follow to make the most of your policy. Read on, and see how you can save while getting the dental care you need.
1. Always Choose An In-Network Dentist
First, you should always choose an in-network dentist when possible. Out-of-network care will almost always result in higher overall costs for treatment, so take a look at a dentist’s website or give them a call to check and see which dental insurance policies they accept.
At River District Dentistry, Dr. Scott Kollen accepts policies from 17+ insurers including Pacific Blue Cross, Greenshield, Great West Life, and more. Click here for more information.
2. Get Two Checkups Each Every Year
As a rule, most dental insurance plans will cover two teeth cleanings and oral exams per year, as well as a set of x-rays. These treatments are typically available at absolutely no out-of-pocket cost, so if you want to maximize your benefits, it’s important to get at least two checkups each year.
3. Know What Treatments Are Covered For Your Kids
Dental insurance covers kids a bit differently than adults. For example, treatments like dental sealants and fluoride treatments are usually not covered by insurance for adults, but are covered for kids. If you have children, make sure to read your dental insurance policy closely or contact your insurer directly to learn more about what treatments are covered by your policy.
4. Understand Your Deductible & How It Works
Most dental plans have a certain “deductible.” This is the amount you must pay toward your treatment before your dental plan starts to cover the cost of your dental care. For example, if you have a $400 deductible, your plan won’t begin covering treatments like fillings and crowns until you’ve paid $400 toward your own treatment.
If you need a lot of dental work, it’s a good idea to plan to meet and exceed your deductible to ensure you get the most of your dental coverage. By doing so, you’ll maximize your yearly benefits.
5. Plan Your Treatments Around Annual Maximum Coverage Limits
Every dental plan has a maximum limit it will pay toward your dental care each year. For example, if you have a $1,000 yearly limit, you will need to pay for the remainder of your care until your plan “rolls over” which usually happens on January 1st of each year.
With a bit of planning, you can take advantage of this to get more out of your insurance. For example, if you need two crowns, you could plan the placement of one crown in late December, and then have another crown placed in January, when your annual maximum coverage limit rolls over.
Get The Expert Dental Care You Need From Dr. Scott Kollen At River District Dentistry
If you want to make the most of your dental insurance, it’s a good idea to consult with your insurer to make sure you understand what your policy covers, and to work with an experienced dentist like Dr. Scott Kollen. Our team can help you coordinate your care to make the most of your policy, and ensure you and your family can maintain healthy mouths without breaking the bank. Contact us online or give us a call at (604) 423-3577 to get started.
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