If you have dental insurance, you’re likely wondering what steps you can take to get the most out of your plan. At NU Dental Eatontown, we’re prepared to help every step of the way when it comes time to maximize the benefits you’re entitled to. Got a question about your plan? You can count on Dr. Gizachew and his team members to point you in the right direction. If you’d like to learn more about the basics of dental insurance, look over our guide below or give us a call!
With every dental insurance plan, you are able to spend a specific amount on dental services annually (also known as an annual maximum.) Once you meet your deductible (which is the minimum amount you need to spend before insurance kicks in), insurance will provide you with an amount of funds until the annual maximum is reached. Keep in mind that dental insurance only offers coverage for specific treatments. This includes preventive services like exams, cleanings, and X-rays, which often receive the most coverage. It’s also another reason why it’s so important to make use of benefits every year as they enable you to catch problems before they turn into dental emergencies.
Regardless of the insurance provider you receive your plan from, you’ll find they all fall into a similar framework. This framework breaks down insurance coverage based on the services received.
If there is one thing that dental insurance companies generally do not provide any coverage for, it’s cosmetic treatments. However, if you can argue that the treatment provides a benefit for your oral health, you could receive some coverage. A good example of this would be using a porcelain crown to protect a damaged tooth.
We partner with many insurance companies, which means if you are in-network with a specific company, there’s a chance that you can receive even higher savings on your dental care. Of course, that doesn’t mean patients with out-of-network plans won’t be accepted at our dental office. Regardless of who handles your insurance, our team members will work with you and your insurance provider directly so you can maximize benefits to the fullest. It’s just another reason why it’s so important to contact us with any questions regarding your insurance plan before the appointment begins.