When you choose your dental insurance, you might wonder how it works and what specific steps you have to do.
First of all, when you apply for a dental insurance, you need to have a waiting period. Many dental insurance policies have waiting periods ranging from 6 to 12 months before any standard work can be done. Some major works are typically longer, which can be up to 2 years. These periods are set in place by insurance companies to guarantee they profit off a new account and to discourage people from applying for a new policy to cover impending procures. During the waiting period, you still need to pay for the insurance. Therefore, it’s very important to choose a dental insurance plan that has shorter waiting periods or even no waiting periods.
Secondly, you need to know that some dental insurances are indispensable, and this type of money is called an insurance deductible. An insurance deductible is the minimum amount that must be paid before the insurance policy pays for anything. In other words, if the deductible is $200 and the covered your procedure is $179, the insurance will not cover your cost and you have to pay the entire amount.
Besides, co-pays could also be required at the time of the procedures. Once you meet a deductible, most policies only cover a percentage of the remaining costs. The remaining balance of the bill paid by the patient is called co-insurance or co-pays. These co-pays range from 20% to 80% of the total bill.
You also need to realize that dental procedures covered by insurance policies are typically grouped into three categories of coverage, which are preventive, basic, and major. Most dental plans cover 100% of preventive care such as annual or semi-annual office visit for cleaning, X-rays. And sealants.
Basic procedures are treatments for gum disease, extractions, fillings, and root canals. This produces are with deductibles, co-pays, and co-insurances. Most policies cover 70% to 80% of these procedures, with patients paying the remainder.
Major procedures such as crowns, bridges, inlays, and dentures are only covered in high co-payment. Different policies offer different coverage for major procedures. You might need to consult your dental insurance company for the coverage of major procedures.