Tag Archives: dental insurance

How to maximize your Dental Insurance

Dental Insurance-Glasscock Dental

You pay good money for your Dental Insurance.  Maximizing your dental benefits is important to make sure your get the most value for your hard earned dollars.

How do you do this?

Each dental plan is set up with maximums that can be used in a calendar year.    Most calendar years begin in January and end in December. To maximize your much needed dental care, scheduling a dentist appointment in October to put an oral care plan in place is essential.  The office of David M. Glasscock then can set your appointments to maximize your benefits in both calendar years

How does this help you?

With your benefits maximized in both calendar years means less out of pocket expense for you! A person who is in need of a number of dental procedures to restore their dental health becomes frustrated over the cost.  Because of this, they might neglect dental care which in turn will effects their overall health.  Glasscock Dental is here to help. We will schedule your appointments to maximize your insurance benefit rather than your out of pocket expense.

Below is some information from Delta Dental to help understand the terminology of your dental plan.  If you have any questions, please feel free to call the office of Glasscock Dental at 704-510-1150

Maximums

Most dental plans have an annual dollar maximum. This is the maximum dollar amount a dental plan will pay toward the cost of dental care within a specific benefit period (usually January through December). The patient is personally responsible for paying costs above the annual maximum. Consult your plan booklet for specific information about your plan.

Deductibles

Most dental plans have a specific dollar deductible. It works like your car insurance. During a benefit period, you personally will have to satisfy a portion of your dental bill before your benefit plan will contribute to your cost of dental treatment. Your plan information will describe how your deductible works. Plans do vary on this point. For instance, some dental plans will apply the deductible to diagnostic or preventive treatments, and others will not.

Coinsurance

Many insurance plans have a coinsurance provision. That means the benefit plan pays a predetermined percentage of the cost of your treatment, and you are responsible for paying the balance. What you pay is called the coinsurance, and it is part of your out-of-pocket cost. It is paid even after a deductible is reached.

Reimbursement Levels

Many dental plans offer three classes or categories of coverage. Each class provides specific types of treatment and typically covers those treatments at a certain percentage. Each class also specifies limitations and exclusions (see headings on these elsewhere in this section). Reimbursement levels vary from plan to plan, so be sure to read your benefits information carefully.

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