Dental insurance can be a complex thing to understand. When discussing it with your HR department at work, they may not give you all the information that you need to know. You must understand what type of coverage you have and the limitations of your policy. In this way, you will be able to reap the most of your dental insurance benefits when using family dental services Leesburg VA.
In- and Out-of-Network Providers
Most of the time, your insurance is accepted by a dental office whether or not they are an in- or out-of-network provider. However, you will likely pay less out of pocket if you choose an in-network provider. This is because the dentist has agreed to negotiate prices with your insurance company.
Copays and Deductibles
Dental insurance is different than medical insurance. Instead of it paying the full amount of your dental bills, the insurance pays a portion. The remaining balance is your responsibility. There is usually a yearly maximum that your plan will pay, and it will vary for each policy.
Wait Periods
When you sign up for a new dental insurance plan, you may have wait periods that go into effect. The wait periods usually stipulate that you have to own the policy for a certain period of time before the insurance company will pay on certain types of claims. It is important to know this information before signing up for a specific policy.
Frequency Limitations
Dental insurance will only cover certain procedures on a rotating basis. For example, your dental cleaning may only be covered once every six months. This means that if you have a dental cleaning five months after your last one, the insurance is not likely going to pay for it.
Dental insurance is a complex thing, but understanding the basics behind it can help you make informed decisions about your care.
