Maximizing Your Dental Benefits. Even if your dentist is “in network” or participates with your insurance plan, this does not translate into all of the dental work you receive being 100% covered. As with most medical insurance plans, there is often an annual maximum dollar amount above which the patient is responsible for all additional charges. Some plans also have a deductible – or an amount that must be spent on dental care costs – before insurance will begin covering any charges from the dentist.
What is Covered by My Plan? With hundreds of dental insurance companies all offering countless plans – it is impossible for your dentist office to accurately answer this often-asked question. Most dental benefits are calculated on an annual basis, but not necessarily from January to December. Check with your insurance company to determine when your annual benefits start and finish. Many plans include fine print items, such as exceptions, frequency limitations, and exclusions, as well as the disclaimer that “benefits will be determined after the insurance company receives a claim”.
How Do I Know How Much Dental Work Will Be Cost? Since a dentist cannot submit a claim to the insurance company until after dental work has been completed, it is not possible to know exactly what will be covered vs. what the patient will be responsible for until after the dental work has been done. While it is the patients’ responsibility to understand their dental insurance benefits, at Roselle Park Dental we will provide an estimate of coverage prior to completing any dental work.
To learn more, visit Roselle Park Dental online or call us at 908-998-4698 to learn how to maximize your dental benefits …
