Top 4 Tips to Maximize Your Dental Insurance Coverage
Our teeth are essential for our overall health. They play a significant role in the digestive system. Having teeth makes chewing food easy, which allows for better digestion and absorption of nutrition. Also, having poor oral health can be linked to diseases like endocarditis, cardiovascular disease, pregnancy or birth complications, and pneumonia. The list can be pretty long so let’s focus on preventing it. This is why brushing, flossing, and rinsing with mouthwash twice a day is hygienic and keeps you healthy.
Visiting the dentist every six months or, at least, once a year is beneficial to your overall oral health. It might seem unnecessary to go to check on something which looks and feels ok, but some dental problems can be hidden at the beginning and bring a lot of troubles in later stages. Generally, insurance will cover these check-ups, whether it is a dental health insurance plan from HealthMarkets or elsewhere.
Regular check-ups aren’t the only thing covered with your plan. We’re going to go over how you can maximize your dental insurance coverage.
Go to Routine Checkups
Even if you practice the perfect dental routine every morning and night, you should always go in for a check-up. You can only know so much about your oral health, but a professional will be able to see cavities, gum damage, or if you need braces. During those check-ups, the dentist can clean the inner part of your teeth or propose which type of dental cream or mouth washing water you should take.
When you go in for your check-ups regularly, and the dentist finds a small problem, it’s always better to get it fixed than wait until it’s a bigger problem. Your insurance is likely to cover a small filling or fix a minor issue with little or no cost.
However, issues like root canals, tooth decay, or gum disease that are left untreated can add up when you need to get significant procedures done. You can prevent having to pay for these types of things by utilizing your dental insurance for check-ups and little fixes.
Get a Family Plan
If you have dental insurance from your work just for you but have a family, you might be able to get better coverage by adding your significant other and children to the plan. They’re going to need to have dental insurance anyway, so it’s a good idea to bundle the whole family together. Kids are more vulnerable to common teeth problems since they will have their teeth growing in elementary school. Chances that they’ll need braces are growing higher each year, and more and more kids are in need of dental checkups more often.
When you add more people onto the plan, you might have to pay a little more each month, but you’ll likely get more coverage. Insurance companies want to make money, so they’ll give you more when you want to spend more money with them. Use this wisely, since the single cost for any dental procedure can skyrocket if not done through coverage, and you can easily find yourself in a really bad situation.
Having a family plan will also teach your children about good oral health and resolve any problems they might have. Hopefully, creating this routine of six-month dentist visits and showing them how to brush appropriately will be habits they take into their adult life. Fear of dental procedures can be eliminated if your kids are seeing dentists more often and in painless situations. The more they learn when they are young, the better for their future health routines.
Choose Dentists In-network
When looking for a dentist for you and your family, make sure you ask them if they take your insurance. Staying in-network will let you get the most out of your plan. When you do this, you’ll have lower copays and reduced rates. Make sure to check the doctor and the ordination prior to your visit, since some can be out of the plan that you’ve picked – and you might pay more in that situation in the end!
When you go out of network dentists, you’ll likely have to pay more for the exact same service. Who wants to do that? Your insurance company can also give you a list of dentist offices that are in-network to take a look at.
When your work provides dental insurance for you and your family, it doesn’t mean it’s the best. There are many dental insurance plans out there. You can look around to see what other companies have to offer.
Sometimes you might have to pay a little more, but you’ll get extra things covered, which is what you want. You never know what might happen in the future.
If you have children who might need braces in the future, you will want to shop around for orthodontic coverage in your plan. The average cost of braces in the United States can be anywhere from $3,000 to $10,000. This is only for one set. Imagine if multiple children need them or if they need more than one set.
Without insurance, you’ll be stuck with these bills in the future or have your children suffer from dental problems their whole life. Braces aren’t just for cosmetic reasons; it’s also an important way to prevent oral diseases.
Looking around for the insurance company that can give you the best coverage at the right price will allow you to maximize your coverage.
The Bottom Line
Your teeth do more for you than give you a great smile. They’re an integral part of your health in many ways. There are some things you can do when looking at getting the most out of your dental insurance.
You should go to your regular check-ups to avoid more significant problems in the future, get a family plan, choose dentists in-network, and shop around for a company that will serve you best.