Understand Your Dental Insurance: Policy Basics and Helpful Tips

dca-blog_understanding-dental-insurance

Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in Baltimore, call Dental One Associates of Maryland today at (855) 979-3336 or make an appointment.

Dental One Associates offers affordable family dentistry and gentle, compassionate dental care in Baltimore. With 11 affiliated practices throughout Maryland, our offices are conveniently located with extended hours to meet your needs. At Dental One Associates of Maryland, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at Dental One Associates of Maryland.

Read What Our Patients Say
Patient Reviews
Another great visit @ Dental One. Kudos to my dental hygienist Maxine for her being so good at what she does. She has a clear passion for patient care and well-being, and really enjoys her job. She […]
Jeffrey K.
Maxine gives focused, friendly and efficient service while being professional.
Carmen F.
great service & great staff
Rhonda R.
Excellent dental care
Paul W.
I saw Dr Blaney. What a wonderful personable person!! He made me so comfortable and went well above the limit of patient assistance. He made sure that I would be well taken care of in the next […]
Deborah R.
Everyone is always pleasant and it maked ypu feel very welcomed
Nicole E.
Deann is excellent
Cristan S.
I was in & out fast!
Pam H.
Very prompt, friendly and helpful
Alice R.
The office was pretty hectic on a Saturday morning, but my complicated root canal only took 1 hr, they answered all my questions, gave me care tips, and I have been in no pain since then. Very […]
Sergio A.
Prompt and courteous service.
Ernest N.
I am new to this dental practice. So far I have had cleanings completed and crowns made. Dr Yasbin is very proficient and I have had no difficulties stemming from his work. The same can be said of […]
John G.
The whole team starting with the receptionist, hygienist, dentist and biller (Ms. Sheila, Ms. Dionne, Dr. Wilson and Ms. Barbara) are always friendly, courteous, kind, respectful and FRIENDLY. I […]
Tanya G.
My daughter experienced a dental emergency this past weekend and I was able to speak to Dr. Chhatwal personally on saturday. He made an early arrival Monday morning in order to see her and we were […]
Kelly G.
CONFIDENCE THAT THE PEOPLE ARE TAKING CARE OF MY TEETH PROPERLY
Diane W.
Always good service
Cornelia S.
Courteous and very professional. Explained billing process regarding insurance co-pay in detail.
Douglas W.
I have been a patient here for many years, I currently see Dr. Su. Not only is she a great dentist but a wonderful person with a fine sense of humor. What I want to make clear is that this is a well […]
Peter M.
The dentist was knowledgeable, confident, and exceptionally friendly and down-to-earth. The office was clean, the staff were clean and professional, and the prices are reasonable.
Jacquelyn R.
Fast service
Shekenah W.
We Accept Most Insurance Plans!
Learn More

We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

No Insurance? No Worries! See our discounts and offers here