Dental Insurance Differs from Medical Coverage

Let’s face it, dental insurance can be confusing because it differs from your medical coverage. Every month you pay premiums for your policy, which is designed to keep your teeth and gums healthy. However, many people believe they can’t afford to see a dentist, despite having insurance. This couldn’t be further from the truth. Here’s how your dental insurance works differently from your health coverage to keep your smile healthy for minimal expense.

Premiums Give You Access to Affordable Dentistry

You pay premiums every month for your policy, which gives you access to a nationwide network of dental professionals. You will benefit from discounted rates for common oral health services, like cleanings and checkups, tooth extractions, and much more.

Dental Insurance Focuses on Prevention

Research has found that every $1 spent on prevention can save $50 on restorative and emergency fees. Your dental insurance focuses on preventive care to stop common oral health issues from occurring. As a result, you’re less likely to need costly procedures later while preserving your natural smile. 

Although brushing and flossing are effective, the American Dental Association recommends a cleaning and checkup every 6 months. You can visit your dentist regularly because 100% of preventative services are covered after a copay.

You Have an Annual Allowance

Dental insurance also covers common restorative procedures. After meeting your yearly deductible, your benefits can cover 50% to 80% of the cost of restorative dentistry. You have access to an annual allowance to partially cover the cost of your treatments.

You Can Choose Your Dentist

Your dental insurance recommends choosing an in-network dentist to enjoy more coverage at the time of services. They have pre-negotiated rates for select services with preferred dental practices to keep dentistry affordable. You can visit any dentist that accepts your coverage, even if they are out-of-network. You can still use your dental insurance, but you’ll need to pay the difference between your plan’s allowable amount and the dentist’s fees.

Your Dental Benefits Reset Yearly

Dental insurance doesn’t last forever. Your benefits will reset at the end of the calendar year. Anything you don’t use will not carry over to the following year. You will not be reimbursed for your premiums or deductibles. 

On average, less than 3% of Americans meet or exceed their annual limits, which means you could lose hundreds to thousands of dollars if you do not maximize your dental benefits.

Don’t worry about navigating your dental insurance alone. Your dental team will work on your behalf with your insurance company to make the most of your monthly investment to achieve optimal oral health without breaking the bank.

About Dr. Sufian Mahmoud 

Dr. Mahmoud earned his dental degree from the Rutgers School of Dental Medicine and has completed advanced training in oral maxillofacial surgery, restorative dentistry, periodontics, and many other specialties. He accepts many dental insurance plans to keep a healthy smile affordable for everyone. Request an appointment through our website or call (201) 350-1227.