Many people don’t realize that dental insurance works quite a bit differently than medical insurance, so it is understanding that some are confused about the differences between them and what certain things mean regarding dental coverage. Ultimately, you want to use your insurance to your advantage so you can get the maximum benefit from your coverage. Here are a few helpful tips from your dentist in Clintonville on how to properly navigate your plan.
Know Your Dental Plan
Your dental insurance plan is unique to you, so when you’ve grasped a full understanding of it, you will have more power to seek the care you need without having to stress about surprises or high out-of-pocket costs. Dental insurance companies cover a particular percentage depending on the type of appointment or procedure you are having. You should figure out what this allowable amount is that they will cover before you commit to anything because you will be financially responsible for what your plan doesn’t cover.
Know What “Out of Network” Means
When a provider is out of network, this does not necessarily always mean that you won’t receive any coverage. Sometimes it is the case where you are left responsible because the plan doesn’t cover any of the treatments from that provider. Other times it may just mean that the percentage of the treatment costs that they cover are reduced, but not completely absent.
Choose Your Own Dental Provider
Your insurance company doesn’t dictate which dental provider you should be going to. You’re the one receiving treatment so you should be able to decide who you are going to for care. Check out the difference of coverage between providers so you can make the best possible choice. It’s up to you to weigh the pros and cons and determine which provider would be a good option for your needs.
Remember that You Are the Customer
You need to remember that you are the customer of your insurance company, not your dental provider. They will be much quicker to reimburse you than the practice. If you find yourself in a situation where you have to pay your dental provider in full, your insurance company will reimburse you directly in a matter of weeks. Your dental administration team will be able to help you. Just be sure that you verify your own benefits so you know what you can expect from your insurance company.
Knowing how your insurance plan works takes a lot of stress away from receiving the essential dental care that you need.
About the Author
Dr. Eric Buck graduate with his Doctor of Dental Surgery degree from the Ohio State University College of Dentistry and is involved with many professional organizations including the American Dental Association and the Academy of General Dentistry. His practice in Clintonville, OH accepts many of the most popular dental insurance PPO plans. His helpful administrative team would be happy to help you further understand your benefits. For more information or to schedule an appointment with Dr. Buck, visit his website or call (614) 459-7766.