So you’ve got some questions about dental insurance and dental plans? Well, we’ve got some answers for you. Let’s take a look at some of the commonly asked questions.
Why Do I Need a Dental Insurance?
Dental insurance benefits people who are looking forward to taking care of their teeth by visiting the dentist on a regular basis. It helps you make routine visits to the dentist as well as pay for any major dental procedure such as root canal and dental crowns. Dental insurance can also benefit the patient by offering discounts and other special offers.
Can I use a Dental Savings Plan with my Current Dental Insurance?
According to the insurance policy rules, you cannot use your dental savings plan and dental insurance on the same procedure. However, your dentist can help you coordinate different dental treatments using both the insurance plan and the savings plan.
Am I Allowed to Combine Two Dental Plans for More Savings?
You cannot use two plans in the same office at the same time. However, you can go ahead and buy more than one discount plan to be used in different offices. For example, you can have a plan for your general dentist and another one for your orthodontist.
Can I still see a Dentist without a Dental Insurance Plan?
Yes. Your dentist will still allow you to pay for dental services in cash. Simple dental treatments such as dental check-ups and examinations can be managed with out-of-pocket payment. However, it can be difficult to handle the expenses of major dental procedures such as root canals.
Do All Plans have Waiting Periods for Major Services?
It’s common for dental plans to have a waiting period, especially for major dental services. However, there are still some plans that offer options with no waiting periods. So, it is important that you get to know the type of options you are taking prior to taking them.
Why Does My Insurance Plan Not Pay for All Costs for My Dental Treatment?
Not all dental insurance cover all the treatment offered by the dentist. Therefore, it is important for you to know the type of insurance you are taking and the dental services it offers. Most plans are usually designed to cover some treatment. You can also have your dentist explain to you different types of plans and what they offer. However, you should know dentists are not experts in dental plans and insurance, so if you’ll have a question your dentist cannot handle, inquire from your provider.
Will My Dental Plan Cover Seeing a Specialist?
What will be covered will entirely depend on the type of plan you take. Some plans will cover a percentage of the specialist fee while some will only pay for services offered by the general practitioner. They are also some that may provide an enhanced level of coverage. For example, it may cover 10% above the general practitioner fee.
Bottom Line
If you do not have a dental plan provided by your employer, it is advisable that you take your own plan. It will help you offset some of the major dental costs and will also help you not to make money out of the pocket expense. If you are in Carrum Downs, we highly recommend that you get your insurance and dental plan from NIB and HCF. Frank is also an excellent provider. At Carrum Downs Dental Clinic, we accept a wide range of dental insurance and plans. Visit us today or make a call to learn more.
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