Do you Understand your Dental Insurance?

Understanding what procedures are covered under your dental insurance can be frustrating at times.  Luckily, our Cumberland dentist staff can help you uncover what you need to know to get the most out of your health benefits.  Many locals prefer the dentist Cumberland and Cumberland residents trust for their dental work and cosmetic dentistry needs.  So, let’s take a look at a few ways you can navigate your insurance policy to maximize your savings.  It all starts with asking the right questions.

Are dental cleanings covered?

Typically, dental insurance covers two dental exams and cleanings per year.  If you have oral health problems that require a deeper cleaning such as gum or periodontal disease, you may not be fully covered.  Call your insurance provider as well as our Cumberland dentist office to ask about the types of cleanings that are covered by your policy.  The American Dental Association recommends two visits to the dentist each year which are normally covered by insurance.  If you need additional care, you can speak with us and your provider to learn if there will be additional costs to save for.

Does your policy have a waiting period?

Make sure you understand the terms of your policy.  In the past, some insurance companies have set a waiting period before certain benefits go into effect.  At our Cumberland dentist office, we can work with you and your insurance company to determine the ins and outs of your coverage.  Understanding your dental insurance policy helps you figure out what procedures will be covered, up to what amount, and thus, helps you build a plan should you need or want other oral procedures.

Cavities and insurance policies

Basic dental insurance policies typically cover preventative dentistry procedures.  Cleanings and dental exams twice a year are covered by most basic plans and X-rays once a year, as well.  If you have a cavity that needs filling, most companies will cover a portion of the cost for amalgam fillings.  However, if you’d rather have people see you and not your fillings, talk with us about our white composite fillings.  These fillings blend into your natural smile.  Depending on your policy, you may have to pay the difference in cost between the amalgam and white composite fillings.  Weigh your options and consider how the filling will affect your smile. 

Navigating insurance policies can be frustrating.  Luckily, our Cumberland dentist staff is happy to work with your dental insurance provider in order to give you all the information you need for a great smile.  Our Facebook page and website can direct you to our procedures and contact information should you have any questions.  We aim to make your visit to our office as painless as possible; both for your wallet and your smile.