Every month, you pay premiums for your dental coverage to benefit from affordable services. However, if you are like many people, your benefits go unused because you still fear the cost of care. Often, this is due to misunderstandings about how your coverage works. Although it is natural to be concerned about the cost, if you are not visiting your dentist throughout the year, you are essentially throwing money away each month while placing your oral health at risk. To maximize the value of your benefits, it all starts with choosing a provider who is in-network with your insurance, such as a Delta Dental dentist in Henderson.
Choose an In-Network Dentist
To save the most money using your dental coverage, it is best to choose a dentist who is in-network with your insurance. This means that your insurance company has pre-negotiated rates with the provider to offer valuable cost-savings opportunities. Although you could choose one who is not in your network, you will end up paying more out-of-pocket.
Utilize Your Preventive Coverage
To help promote oral health while keeping long-term dental costs to a minimum, your insurance coverage focuses on preventing issues from occurring. As a result, most dental plans cover preventive services in full, including cleanings, checkups, and x-rays. To prevent costly treatments and to protect your smile, use your coverage every six months for a preventive appointment.
Don’t Wait for Treatment
If your dentist finds that you have an issue that requires treatment, do not delay having it resolved. The longer you wait, the more extensive the damage will become, which will require a more costly and invasive procedure. Since most insurances only cover about 80% of restorative treatments, it is important to have the problem addressed as soon as possible to reduce your out-of-pocket expenses.
Use Predetermination Reviews
If you know that you are going to need a procedure, have your dental insurance confirm your coverage prior to undergoing the treatment. This will help to ensure that the company will cover their responsibility of the procedure, so you are not stuck with an unexpected bill.
Work with Your Dentist
If you are not sure which procedures are covered under your insurance, work with your dentist to maximize their value. Your dentist will work on your behalf to file the necessary claims to ensure that you are properly reimbursed while helping to promote the maximum value of your benefits.
Maximize Your Dental Benefits Today
You pay for your dental benefits every month, so why not use them? If you have not scheduled an appointment recently, now is the time to find a location who works with your insurance, like a Cigna dentist in Henderson.
About Dr. Brett Noorda
Dr. Brett Noorda believes that patients should always come first, which is why he provides superior services that are affordable. As an in-network dentist for multiple carriers, he provides the necessary services for healthy teeth and gums while keeping out-of-pocket costs reduced. If you have any questions about your insurance benefits, contact our office today to speak to a member of our dental team.