When you visit your Shrewsbury dentist, you expect to submit your dental insurance card and have most of the charges covered by insurance. But there are plenty of surprises to be found hiding in your dental insurance. Some of those surprises are very pleasant, while others can make life a little more difficult.
Insurance Companies Want You To Use Dental Insurance
The primary purpose of dental insurance is basic routine maintenance and low level restorative services. You may be pleased to find out that your dental insurance covers all of your fees for x-rays and cleanings, and will even cover as much as 80 percent of the fees associated with procedures such as fillings. The one catch is that your dental insurance usually has a very low maximum annual amount it will cover. For example, your dental insurance may cover everything you need but only up to $1,500.00 per year.
The Big Expenses May Not Be Covered
The big dental expenses you could take on during a year such as braces or a root canal and crown are often either not covered, or only covered at 50 percent. Many dentists offer the option of doing a small in-office payment plan to pay off larger expenses, or your dentist might recommend that you get a health credit account to pay for your procedures.
Beware Of Plans That Are Not Insurance
The dental care industry is extremely competitive, and it is also aware of how insufficient dental insurance can be, especially for a family. That is why you will see so many dental coverage alternatives available, but you have to be careful when you decide to use these plans.
Many of the alternative plans are simply discount plans that have higher maximum amounts than your insurance. For example, you might come across an alternative dental plan that pays 60 percent of all charges up to $5,000.00. The problem is that your alternative plan is not regulated by state law, and you could wind up paying the full amount for a procedure you thought was covered and you would have no way of protecting yourself.
Price Shop For Procedures
Your dental insurance allows you to price shop for more expensive procedures to try and lower your overall costs. While you want to be sure to choose a Shrewsbury dentist who has a strong reputation for quality work, you should also ask around to see what types of costs other professionals offer for the same procedure. As long as the dentist you choose takes your insurance, you should be able to save money.
Many people have dental insurance, but have no idea how to use it. Despite the traditionally low maximum annual amounts dental insurance will cover, this type of insurance is still your best bet for reducing your dental care expenses and getting the kind of quality care you need.