2018 Guide to Dental Insurance

What you need to know about Dental Insurance

A new year often means new dental benefits, and for most people means a fresh slate on your yearly coverage!  The truth is that dental insurance can feel confusing, which is why we want to be there to help!

What is your plan?

The very first place to start is to know if you have dental insurance and what it is.  It seems that every year there are changes to employee coverage and also in individual plans.  What you had last year may not be the same as what you have this year.  The best place to star tis to find out IF you have dental insurance and through which company.

What Does Your Coverage Mean?

Any type of insurance can feel confusing, especially if you don’t deal with the lingo and policies on a daily basis.  Odds are, you only think about it a few times a year.  Conversely, we think about insurance on an hourly basis in our practices.  If you’re confused about what your benefits mean and how they actually apply to services, know that we are here to help.  Give us a call and ask us your questions.  We can often explain basic coverage questions simply.  If something requires more research, we can also always be a resource because we know how to contact insurance companies directly.

What is Covered?

Most dental plans will cover your hygiene cleanings, but when you start looking into other procedures like sealants, x-rays, fillings, etc. it can get a little confusing.  More extensive procedures like crowns, bridges, or other cosmetic procedures can be even more confusing.  We speak the language of dental insurance here and we are happy to help translate your coverage!

Deductibles

You’ll encounter deductibles within your dental plans and they can feel confusing sometimes.  A deductible is the amount of money you need to pay out of pocket before insurance will cover your expenses. If you have a low monthly premium, chances are that your deductible is higher and vice versa. If your premium is higher monthly, than it is likely the opposite with a lower deductible. A good thing to ask when you’re researching insurance info is what your deductible is and if it’s family or individual.

The beginning of the year is a great time to evaluate what your coverage is and how you might need to use it.  Insurance can be confusing, but know that we are here to help!

What if I don’t have dental insurance?

We believe that everyone deserves quality dental care, regardless of if you have insurance or not.  At Simply Beautiful Smiles, we’ve created the SBS Discount Dental Plan, which gives you 20%-65% savings off of most dental treatments and procedures.  To learn more about this cost-saving plan, click here to get all the details!

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