The good news about dental insurance is that it costs much less than your health insurance, but you should be aware that it works differently from typical medical insurance. Whereas health insurance usually covers a large portion of expenses after you have met your deductible, most dental insurance plans have an annual limit as to how much they will cover. These limits are typically low, usually around $1,000 to $1,500 a year.
Most dental plans will pay a portion—or all—of preventive care with your Charlotte dentist, such as examinations, cleanings, and x-rays. Some offer discounts for other services, such as periodontal treatment, root canals, and crowns. In most cases, orthodontics and cosmetic dentistry are not covered.
To make sure you don’t get caught with unexpected dental bills, keep these tips in mind when you are looking for a dental insurance plan.
Your Employer May Offer Group Coverage
Most people who have dental insurance get it through their employer. These plans are usually less expensive than purchasing a group plan, but you should take a close look to make sure the monthly cost is worth it for your situation.
Check Out Which Dentists Are In-Network
Some insurance policies might allow you to use any dentist, including one with whom you already have established a relationship. But PPO and HMO require you to stay in-network with their dentists. If you have to find a new dentist because of your insurance policy, be sure to do your homework and find one who comes highly recommended by friends, family, or online reviews. Check out our financial option page here.
Closely Examine Policy Coverage
As mentioned, most dental plans cover a large portion of preventive care, but coverage lessens dramatically for other treatments. Make sure you understand exactly what your insurance policy offers so you can budget for dental care appropriately.
Make an Appointment with our Charlotte Office Once You Have Coverage
It doesn’t make sense to pay for a plan you don’t use. Be sure to schedule an examination and cleaning with your Charlotte dentist Harlow Dental. Give us a call today!