What Do I Need To Do To Make The Most Of My Dental Insurance?

The whole point of dental insurance is to make your dental care more affordable, but it can be hard to know how to make the most of your plan’s benefits each year. This guide from Lifestyle Dental Care is sure to help, so read on to see how you can make the most of your coverage. 

1. Schedule Teeth Cleanings & Oral Exams Twice A Year

There are a couple of reasons to get teeth cleanings and oral exams twice a year. The first reason is that this helps you maintain a healthier mouth, and avoid issues like gum disease and cavities. Having a healthy, strong smile is always a good thing.

The other reason is that most dental plans follow a “100-80-50” model. This means 100% of preventive care, like twice-yearly cleanings and oral exams, will be covered by your insurance company. 80% of “basic” care like fillings will be covered, and 50% of “major” care like crowns and bridges will be covered. 

That means your twice-yearly visits with Dr. Jean will be free, and can help you avoid the need for care like fillings or crowns that may cost you more money out-of-pocket, helping you save money and maximize your benefits. 

2. Choose An In-Network Dentist

Most dental plans are PPOs, which means you will pay less for care from a dentist that’s in-network compared to an out of network dentist. At Lifestyle Dental Care, we work with all major insurers in Margate, including  Aetna, Cigna, MetLife, United Healthcare, Guardian, Humana and many more. Give us a call at (954) 669-1313 to learn more. 

3. Understand Your Annual Maximum And Yearly Deductible 

Your dental plan’s deductible works similarly to a health insurance deductible. It’s usually between $25 and $250. After you spend this amount on your dental care, your plan will begin paying for your treatment.

This will continue until you reach your annual maximum, which is usually $1,000 to $2,000. Once you reach this limit, your insurance policy will no longer pay anything toward your dental care until this limit rolls over in the next calendar year.

4. Get Expert Care Even If You Don’t Have Dental Insurance 

At Lifestyle Dental Care, we want to help people get the dental care they need in Margate. If you don’t have insurance, you can take advantage of our New Patient Special, which includes an exam and cleaning, x-rays, and one whitening treatment for just $119.

After your first consultation, you can sign up for our In-Office Membership Plan. Plans start at $24/month for kids and $30/month for adults. These plans include two yearly exams and cleanings, x-rays, 1 emergency exam, and a few other benefits, as well as 20% off all other treatments at our office.

Get The Affordable Dental Treatment You Need From Lifestyle Dental Care 

‍At our Margate dentistry, Dr. Jean and our dental team in will do our best to manage your care and provide you with the treatment you need while also keeping your financial needs in mind. Whether you have insurance or are uninsured, contact us online or call at (954) 669-1313.