When it comes to dental insurance there are many different types of coverage. Even the very best insurance options often leave large co-pays or uncovered items. It is up to you to know what your dental plan covers so you can best choose your course of action and keep your mouth in the best possible health. With a little planning you can often get what you need for the least amount of money out-of-pocket by just taking the time to fully understand your policy and working with your dentist to plan your repairs.
Crowns and Other Pieces
These are often where you will find limited coverage every year. These are also often the items you can really plan so as to avoid the issue of having to fork over all the money. That means you can find out if it is in a calendar year and put one in one year and the other in the next so you don’t have to cover the total cost. You can also work with your dentist to bill it that way sometimes as well. You never know what they can do until you ask.
Cleanings and Visits
Make sure you know how many cleanings are covered. Many dentists are shooting for two cleanings a year but some policies only cover one. Work out a price with your dentist beforehand if you are going to be paying for the whole visit. Also, find out how many x-rays your plan covers and how often. Dentists want to do x-rays every year but some plans only cover them every other year. You want to know just so there are no surprises.
Look into Payment Plans
With dental work you usually have to put some or all of the money down up front. Talk to your dentist about what your plan covers and find out if there are payment arrangements that can be made. Also look into supplemental plans if it is looking like you are going to need lots of work. Often a secondary insurance can make up the difference and might cost less than paying for everything all on your own. It might sound like a lot of work but your pocketbook will thank you in the end.
Dental work is expensive and painful. The last thing you need is the added pain of a bill you were not expecting. Of course one can always say if you took better care of your teeth it wouldn’t be a problem, but that is not always entirely your fault. It is important that you carry good dental insurance and know your options in order to get the best service possible. Work with your dentist and you might find there are all sorts of creative solutions to seeming impossible problems. There is always a way to get the work done it is just a matter of being creative when it comes to timing and money.
This was a guest post provided by Ron of Hawkesbury Dentists. Check out his site for more information on dentistry.