Dental Insurance FAQ: The Basics

At The Center for Cosmetic & Family Dentistry, we understand that dental insurance can be a tricky thing to navigate. Evaluating dental plans and considering deductibles, benefits, which treatments are covered, and the mountain of other information insurance companies provide can be a headache in and of itself. The Doctors of The Center for Cosmetic & Family Dentistry want every Destin & Panama City Beach resident to have the power to control their own health, so here’s a simplified guide to the basics of dental health insurance. As always, if you have a question, don’t be afraid to give us a call!

Dental Insurance

Dental insurance is an excellent investment that helps Destin & Panama City Beach residents ensure a lifetime of healthy smiles. However, in order to get the best value from your dental insurance, there are a few things you need to know. Here are the answers to the most common questions we hear at The Center for Cosmetic & Family Dentistry.

What is dental insurance?

Having dental insurance means that an insurance provider will pay for a percentage of the dental care that you need every year. Plans vary in terms of how much they cost, how much they cover, and which dentists are included. If you would like to know if The Doctors of The Center for Cosmetic & Family Dentistry is included in your provider network, please contact us today.

What do dental insurance plans cover?

Insurance carriers cover dental procedures in three fundamental categories: preventive (examinations, routine cleanings, x-rays, etc.); basic/restorative (cavity fillings, tooth extractions, etc.); and major (crowns, bridges, surgical extractions, dental implants, etc.). The classification of procedures into categories varies according to each insurance carrier, but most dental insurance plans have “100-80-50” coverage, which means routine cleanings, checkups, and diagnostic care are paid for in full; 80 percent of the cost of fillings, root canals, and other basic procedures are covered; and 50 percent of the cost of dental implants and other major procedures are covered. Cosmetic dental procedures, such as whitening treatments, are not usually covered.

What are premiums, copayments, deductibles, and maximums?

  1. Premiums – These are the basic yearly or monthly cost of your dental insurance. Premiums do not include copayments or deductibles.
  2. Copayments – Per visit payments of a flat rate or a percentage of the total appointment cost.
  3. Deductibles – For each plan, there is an annual amount that you must pay before insurance will cover expenses. After your deductible is met, your insurance plan will cover a percentage of the cost of your dental care.
  4. Plan maximums – Most plans include a maximum dollar amount that will be paid for your dental expenses. You are financially responsible for any amount exceeding your plan maximum.

When do benefits renew?

Benefits are usually calculated yearly and renew on the 1st of January. It is important to know that unused coverage does not carry over to the next year.

If you have specific questions about your dental insurance, you can contact your insurance provider directly or give us a call. We are always happy to answer any questions that help keep Destin & Panama City Beach smiles beautiful and healthy!


Sources

http://www.humanadental.com/tools/faqs.asp

http://www.bankrate.com/finance/insurance/dental-insurance-1.aspx

http://www.ehealthinsurance.com/content/health/Dental-Insurance-FAQ.shtml

Dr. Dennis Lichorwic, DMD was born in Cleveland, Ohio, received his Bachelor of Science from Syracuse University, his dental degree from the University of Florida’s College of Dentistry, and is a graduate of the world renowned Dawson Academy for Advanced Dental Studies. Dr. Lichorwic’s passion is improving smiles with conservative cosmetic procedures. He believes a beautiful smile is an important social asset, as it can increase confidence and have a positive impact on overall appearance and personality. Dr. Dennis Lichorwic is the President and founder of The Center for Cosmetic and Family Dentistry. He is a sustaining member of the American Academy of Cosmetic Dentistry, which is recognized as the premiere association for cosmetic dentistry in the world. He has served as the President of the Florida Academy of Cosmetic Dentistry where he continues to serve on the board. Dr. Lichorwic is a 2010 Graduate of the Comprehensive Implant Residency Program in Birmingham, Alabama. lichorwic and wifeDr. Lichorwic lectures throughout the country helping other dentists improve their skills in the areas of cosmetic dentistry, dental implants, and Invisalign®. His work has been published in national dental magazines and he’s won several national and state-wide awards for his beautiful, natural smiles. The practice has been featured in such magazines as Inc. magazine and Florida Trend for its quality, innovation, and success.

Posted in Blog, Dental Health, Dental Services, Patient Care

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