Like anything else in life, if you want to get the maximum benefit from something you need to know precisely how it works. People who are lucky enough to have dental insurance should take the time to determine what their policy covers and what its restrictions are, and your dentist Columbia Dr. Gregory Wych is here to help!
Never assume that your dental office’s staff knows everything about your insurance premiums, because every employer negotiates their own policy. Unlike medical insurance, many dental policies are unique, and some bigger companies may offer various levels of benefits.
According to your dentist Columbia, one of the main things patients overlook is that the benefits are use it or lose it; they aren’t like your cellphone plan - there are no rollover benefits.
Let’s review some of the most important aspects of your dental insurance policy.
Annual Maximums: Dental insurance has a maximum payout limit per year. If a policy pays out $1,500.00/year and you know you need work done, don’t wait – use this year’s benefits now so that you have additional benefits for next year if you need them. You can also ask your dentist Columbia if you can complete your treatment in phases to take advantage of benefits for the end of this year and the beginning of next.
Preventive limits: Determine if your policy is based on a calendar year or a contract year. Does your policy cover preventive visits every six months or twice in a year? Some policies now cover this type of care three times a year. So always take advantage of every preventive services your policy includes.
Alternate Benefits: At times insurance companies will downgrade the coverage from the treatment that is appropriate for you to the cheapest possible option. This means your insurance company is finding a way to pay less. And your dentist Columbia finds that patients can often appeal this decision in an attempt to get better coverage.
Losing a tooth? It may be more important than ever to replace it quickly, as some policies are now denying tooth replacements if the tooth was lost or extracted prior to the policy going into effect.
There are many different policies and types of benefit structures, so be sure to provide your dental office Columbia with all of the pertinent information they need to help you receive your maximum benefits.
Don’t wait until it’s too late and waste your benefits. Call the office of dentist Columbia Dr. Gregory Wych today to schedule an appointment to discuss your long and short-term goals!