Every month, you pay for Boise dental insurance. Even if it comes out of your paycheck, and you don’t really notice it, you pay for it… However, many patients are not sure exactly how their insurance plans work.
So what’s the secret when it comes to getting the most bang for your buck from your Boise dental insurance? At Summit Dental Group, we deal with insurance everyday, and we know a few secrets that we want to share with. Never forget that you’re the boss! When it comes down to it, whatever insurance company you have, works for YOU. You pay them to provide you with a benefit. It’s their job to reimburse you for dental expenses, and they have to answer to you for how well they do it.
As your Boise dentist, we also work for you. You pay us to achieve and maintain optimal dental health. You are our customers, patients, and friends and we have to answer to you for how well we do. But when it comes down to it, we don’t work for the insurance company, and they don’t work for us, which means:
- We are unable to tell you exactly how much your insurance will pay for dental services. However, because we deal with so many Treasure Valley patients and their insurance companies, we can help to provide you with a pretty good estimate.
- We cannot tell you how much of your benefit is left. However, we can help you plan your Boise dental work to minimize your costs.
- We unable to answer questions about why an insurance company makes the decisions it does. However, we can help to provide you with information to find out.
Three things you can do to get the most from your Boise dental insurance:
1.Before you schedule an appointment, talk with your insurance company and ask them what benefits you have and how much you have left. Also, ask them if there are any waiting periods, and how much your Boise dental plan pays for prevenative services, basic, and major work.
2. Call or come in to Summit Dental and talk to us. We can help schedule treatments to help you avoid going over your benefit. We can also help you to get a pre-determination letter showing what your Boise dental insurance pays for treatment options. Additionally, our staff can help explain the costs and benefits of those options.
3.Make sure to ask questions. If something doesn’t make sense, make sure your Boise dental insurance company clarifies it for you. Remember, you are the boss, and deserve clear answers.
Remember, with so many rules and all the fine print, sometimes it’s not easy to decipher many Boise dental insurance plans. The team at Summit Dental Group is here to help you receive the best dental care that you deserve. Keep in mind that regular office visits for cleanings and checkups are the best way to reduce long term dental costs. Taking care of your teeth with preventive dental care will help to ensure that you’re not dipping into your own wallet – with or without insurance – more than you should.
Creative Commons Image Courtesy of Pictures of Money
Finding good dental insurance plans—or any good insurance—is stressful. How do you know if you have found a good plan? Remember that we would love to help you, so call us and talk about what plans you are looking at. We’ll do our best to help you understand your options. When you go over your options alone, however, keep in mind this list of things to look for:
What to Look Out For
A Waiting Period. Many insurance companies have a one-year waiting period where you are paying for insurance but cannot use it. If this is the case, you might be better off looking for a different plan or just paying out of pocket.
Limits. Dental insurance plans usually have a ceiling on what they will pay per year. This amount may be measured per family or per person. Consider the dental expenses you think your family will need to see if this plan’s limit will suit you.
Coverage. Some insurance companies will only cover silver fillings (the ones that contain mercury) and will not cover composite fillings for cavities. This is another red flag that may mean this insurance plan is not a good fit for you.
Stipulations. Every plan will have some stipulations about copays, pre-existing conditions, limits, and other things already mentioned. Be sure you look over what these stipulations are to see if they are compatible with your family’s needs.
Coverage Percentage. Every dental plan should state rather clearly what percentage of your dental fees they will cover (usually around 60 percent or 80 percent). But you need to ask if this is 60-80 percent of the doctor’s fees, or 60-80 percent of the insurance company’s set fees. Here’s the difference: insurance companies create set fees for what theythink a cavity or cleaning should cost, regardless of whether your Boise dentist’s fees are different. You can see how this could cost you, so make sure you clarify this with your insurance company.
Do Dental Patients Really Need Insurance?
The short answer is that it depends. Dental patients should look at what they need and what insurance would cover, but the decision is mostly personal preference. Here are some examples of what you could consider:
Mostly Preventative. Most older people probably just need preventative care, so simple dental insurance like a $700 limit to use on whatever the dental patient wants or needs is probably enough to cover biannual cleanings, check-ups, and the like. For those looking for another simple dental insurance option, flex spending accounts are generally a good idea as well.
A Waiting Period. If there is a waiting period, however, you may be better off without insurance and instead pay out of pocket.
For Lots of Dental Work. If you need a lot of work done on your teeth, really good dental insurance could be a huge help. But know that for something like dental implants, most insurance companies won’t cover much. Coverage for these procedures has improved over the years, however, so you may get coverage up to 40 percent.
The Bottom Line
In order to discover if you have a good dental plan and if it’s worth the investment, ask lots and lots of questions. And call us to go over your options! We’d love to help you find the best plan and can help you pick up on the red flags of a bad plan.
Any other questions about finding a good dental plan? Give us a call or stop by our office!