Choosing a dental insurance plan can be complicated. There are so many details and formulas that the actual day-to-day dollars and cents can be difficult to plan ahead for. At Parkcrest Dental Group, we want every patient to know that we are on your side, and we are here to help you make informed decisions about your dental health. Read on in today’s blog for advice when considering a new dental insurance plan.
Know Your Dental Healthcare Needs
The most important things to consider when choosing dental health insurance are your own personal dental care needs. Get in touch with the experienced and trusted experts at Parkcrest Dental Group and have an honest conversation about your current dental health and the dental health needs you may have in the future. We can provide guidance when you are choosing an insurance plan, and we will make every effort to ensure you receive the maximum benefits from your dental insurance policy.
Consider Annual Maximums
Annual maximums are a yearly cap on how much your insurance company will spend to cover for your dental care. Once you hit the annual maximum, you will have to pay out of pocket for your dental care for the rest of the year.
For example, your dental insurance plan may have an annual maximum of $1000. If you end up having three expensive procedures within one year, your insurance company may hit their annual maximum of $1000 after two procedures, leaving you to pay for the third on your own.
When assessing health plans, compare the annual maximum with the cost of your monthly premium. If you add up a year’s worth of monthly premiums and subtract that number from the annual maximum, it will give you a good idea of how much savings the insurance plan can deliver if you max out your benefits.
Understand Waiting Periods
If you have concerns about your dental health but have been putting off getting dental care until after you are insured, you will want to understand waiting periods. Waiting periods, also sometimes called probationary periods, are a period of time that you have to wait after starting your dental insurance before coverage will begin for major dental expenses.
For example, some insurance plans will not cover major work such as crowns or dental implants for the first year of your plan. So get in touch with the helpful staff at Parkcrest Dental Group, consider your financial options, and make a plan for your long-term dental health.
Insured or Not, Take Care of Your Smile
Whatever your situation is with dental insurance, taking care of your smile is a wise investment that pays dividends every day. Dental insurance programs can be a big help for covering costs, but they won’t cover all of your expenses. If you have been delaying necessary dental care because you don’t yet have insurance, please consider that, insured or not, a small procedure today will cost less than a major procedure tomorrow, and with waiting periods and annual maximums, you have little to gain from putting off important dental procedures.
Every Patient Smiles at Parkcrest Dental Group
Parkcrest Dental Group is on your side. We put the healthy and beautiful smiles of every one of our patients first, and we think you should too! Your dental health is important to us, so contact us today to see how we can help you!