With benefit enrollment time upon us, you may be debating about enrolling in a dental plan. What does it cover? Is it worth the monthly premiums? What if I have an emergency? These are all excellent questions to consider, and it's important to understand that dental insurance is very different than medical insurance, and every dental plan is unique and varies.
Here is a general guide on how dental insurance works so you can make the right decision for your needs.
Dental Insurance 101
Most dental plans use a calendar year system, which means that they begin on January 1 and end on December 31. Your plan will have a yearly maximum amount it allows for treatment, typically in the range of $1000 to $2000. Most plans have a deductible to be paid before any restorative treatment. A deductible can range from $50 to $150 for most plans. These benefit dollars are not carried over from year to year, so if you don't use them, you will lose them.
Many plans cover preventative appointments, so there may be little to no out-of-pocket cost for you. Since dentistry is all about prevention, it is in your best interest to utilize your benefits and go to your six-month cleaning and checkup appointments.
Dental insurance can help defray the cost of restorative treatment, but unfortunately, you will still be left with an out-of-pocket expense, as it is only designed to pay a percentage of restorative services.
The Significance of Preventative Care
Your visits to your dentist twice per year help to keep your teeth and mouth healthy, and can help you avoid many dental issues that are best treated early on such as oral cancer, gum disease, and tooth decay. This is because your dentist will screen you for these concerns and can detect them in their earliest stages when treatment is more effective and less invasive.
Call Your Lafayette Dentist
Are you looking for the best dentist in Lafayette? Look no further than Drs. Smith and Domingue. Give us a call if you need assistance navigating your dental benefits, or if it's time to schedule your next appointment.