Dental Insurance – Big Pine Key
Save on Your Family’s Oral Healthcare
Do you have a dental insurance plan through work or by another means? This is an excellent tool to take advantage of. By signing up for a dental insurance plan, you can receive more affordable dental care for both you and your family. Dental insurance works differently than the medical insurance you are used to, but it can be difficult to navigate at first, so we’re here to help! Continue reading to learn how dental insurance works so you can take all of the right steps to maximize your savings.
How Dental Insurance Works
When you pay your premium each month, you gain access to discounts on numerous dental treatments and procedures. Everyone’s plan looks a little different, but here is what a typical one consists of:
- 100% coverage for preventive dental treatments
- 80% coverage for basic restorative procedure
- 50% coverage for major restorative procedures
The idea behind this structure is that by regularly attending your cleanings and checkups, you can prevent the need for restorative treatments in the future as they aren’t covered at as high of a rate. However, there are some key points to keep in mind:
- Dental insurance plans renew at the beginning of the calendar year. Your benefits will not carry over.
- You need to meet your deductible before your coverage kicks in.
- Your annual maximum is the designated amount of money that your dental insurance company agrees to pay for the year. If you don’t reach this amount, the remaining balance is returned to your insurance company.
What Is the Difference Between Dental & Medical Insurance?
Medical insurance and dental insurance sound like they would be similar, but they have many differences. The main one is that dental insurance is focused on preventive care. That’s why most plans include complete coverage for cleanings and checkups. Ultimately, patients can avoid more complex procedures, like root canals and tooth extractions.
Out-of-Network Coverage
At Cosmetic & Restorative Dentistry of the Keys, we are a “fee for service” dental office. This means that we aren’t in-network with any dental insurance plans or companies. However, we are still happy to file claims for you and help find ways for you to save on your dental care through your insurance. If you have any questions or concerns regarding your plan, don’t hesitate to contact us.