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What Does Your Dental Insurance Cover?

September 13, 2021

Filed under: Uncategorized — Tags: — drcaballeros @ 2:29 am

Insurance coverage and red pencilAre you among the 77% of Americans who have dental insurance? That’s great! You have access to comprehensive dentistry to ensure your teeth and gums stay healthy for a lifetime. Despite having coverage, the American Dental Association reports 40% of adults don’t go to the dentist because they are worried about the cost. As a result, only 3% of Americans meet their annual limits. If you aren’t maximizing your policy, you are throwing hundreds to thousands of dollars down the drain. Don’t waste your dental benefits. Maximize your coverage to achieve a healthy smile before your insurance expires.

Understanding the Basics of Dental Insurance

Your monthly premium is a small fee that allows you to enjoy discounted rates for diagnostic, preventive, and restorative dental services. This means you can visit your dentist in Carrollton twice a year for a cleaning and checkup. If a complication arises, don’t fret about an outrageous bill. Your dental insurance can be used to offset the cost after reaching your deductible, which is a specific amount you must pay before using your annual allowance. Although every plan differs, many insurances have a limit of $1,000 to $2,500 per calendar year.

You’ll advantage from a variety of benefits for reduced rates to lower your long-term costs for care. Every plan is unique, but most include:

100% Preventive Coverage

The American Dental Association recommends having a cleaning and checkup at least twice a year. Research shows every $1 spent on preventive dentistry can reduce restorative and emergency costs by up to $50. You can maintain your semi-annual appointments for only a small co-payment to enjoy 100% coverage for preventive services, including:

  • Dental cleanings
  • Dental checkups
  • Oral cancer screenings
  • Digital X-rays
  • And more!

80% Minor Restorative Coverage

Even with the best preventive efforts, a complication can occur. Your dentist can spot any concerns during your routine visits to prevent them from worsening to avoid a costly procedure down the road. After hitting your deductible, your dental insurance can pay up to 80% of the cost for common restorative procedures, like:

  • Fillings
  • Tooth extractions
  • Root canal therapy
  • And more!

50% Major Restorative Coverage

If a serious problem arises, it won’t cost you an arm and leg to repair your smile. Major restorative services are often covered 50%, such as:

  • Dentures
  • Partials
  • Bridges
  • Dental crowns
  • And more!

Use It or Lose It

At the end of the year, your benefits expire, and nothing will carry over for accumulation. You won’t be reimbursed for your premiums or deductible, either. Don’t wait until it’s too late. Use your dental insurance to invest in a healthy smile without breaking the bank.

About Dr. Carlos Parra

In addition to a dental degree, Dr. Parra has also completed advanced training in periodontology and surgical implant placement. As a member of various professional organizations, including the American Dental Association, he provides the high-quality care your smile deserves. He proudly works with many dental insurances to keep his services affordable. Contact our office today to schedule an appointment.

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