{"id":276,"date":"2021-09-19T22:17:00","date_gmt":"2021-09-19T22:17:00","guid":{"rendered":"https:\/\/www.newsmiledds.com\/blog\/?p=276"},"modified":"2021-10-19T22:21:51","modified_gmt":"2021-10-19T22:21:51","slug":"key-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.newsmiledds.com\/blog\/key-dental-insurance\/","title":{"rendered":"Why It\u2019s Important to Know What Your Dental Insurance Covers"},"content":{"rendered":"\n
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As the end of the year draws closer, it\u2019s prime time to take full advantage of your current dental insurance. But first, you need to know what all it covers. To help out, your local dentist explains how most dental insurance plans are structured. Continue reading to get a quick breakdown!<\/p>\n\n\n\n\n\n\n\n

How Most Dental Insurance Plans Work<\/h2>\n\n\n\n

Usually, dental insurance plans are structured in a 100-80-50 manner. The following explains how it all works:<\/p>\n\n\n\n

Preventive Care (100)<\/h3>\n\n\n\n

In most cases, plans will cover up to 100% of the cost of two preventive care visits each year. This includes the cost of X-rays, cleanings and checkups.<\/p>\n\n\n\n

The value doesn\u2019t stop there, though. These visits allow the dentist and hygienist to catch any dental issues early so that a plan of action can be created to treat them. They also offer educational benefits, as you\u2019ll be able to get pointers from trained professionals.<\/p>\n\n\n\n

Basic Care (80)<\/h3>\n\n\n\n

If you find out that you have a cavity that requires a filling, it falls under the classification of basic care. In most cases, dental insurance will cover up to 80% of the cost of the procedure. In some instances, coverage may be reduced slightly if you decide to go with tooth-colored fillings.<\/p>\n\n\n\n

Major Care (50)<\/h3>\n\n\n\n

Often, a painful toothache will require a root canal to restore oral health. A more complex procedure, it may be classified as major care. That means you can expect to pay up to 50% of the cost out-of-pocket.<\/p>\n\n\n\n

The Importance of Taking Action<\/h2>\n\n\n\n

Your dental insurance will reset at the beginning of the new year. That means that any unused benefits will be lost. Given that you pay a monthly premium to maintain your coverage, the last thing you want to do is let it go to waste.<\/p>\n\n\n\n

Here are some ways to avoid that happening:<\/p>\n\n\n\n