Dental insurance can significantly reduce the overall cost of exams, cleanings, and restorative treatments. Unfortunately, most plans have caps that limit your total annual benefits and it is not always clear how to plan for your dental care if you think you will hit or exceed your end of year max.
Do not fear, there are ways you can reduce your overall out-of-pocket costs. Read on to learn how to take advantage of discount plans to make dental care more affordable for you and your family.
Make the Most of Your Dental Insurance
Although it’s not always possible to avoid out-of-pocket dental costs, you can reduce your expenses with some of these easy tips:
- Schedule regular cleanings to prevent tooth decay and gum disease, which can lead to higher procedure costs
- Use all of your remaining annual benefits before your annual cap resets
- Split up expensive restorative treatments to leverage insurance benefits from two calendar years
- Ask your dentist for their recommendations on timing your dental cleanings and procedures to align with your insurance benefits
If you need dental treatment and you have already reached your annual cap, ask your dentist about available financing options that will allow you to split up your costs into affordable monthly payments.
Stay in Your Network Plan
When you stay in your dental network, whether that is an HMO or PPO, you will spend less on your dental treatments. If you choose a dentist is that is out of your network you may see significant cost increases depending on your plan.
At Gentle Dental we accept a wide variety of insurance plans If you are concerned about coverage, get in touch with us. Our staff will help to answer and clarify and maximize the benefits provided by your plan.