Tips On Working With Your Dental Insurance Before Your Next Visit

The first thing you need to do is find the right dental plan. The next thing is to get it to work to your advantage. There are 7 ways to get the most out of your dental plan recommended by Tyler Robison.

  • Read through your plan before you use it. It is going to be time consuming and boring, but it is important. You should never use something before you understand the way it works. Every plan is different. Your plan is going to work differently compared to your neighbor down the street. It is your responsibility to know and understand what your money is going towards.
  • Please stay in your network as much as possible. Do you already have a dentist you like? Find a plan that covers him/her. Under your plan, your doctor is required to give you a discount on some of the more expensive procedures. Your plan will not cover you in any way when it is done out of the network. Something to keep in mind.
  • Read your Explanation Of Benefits. This is your EOB part of the plan. It is your job to find out why certain claims are being rejected. It is your job to find out why some fees are not being paid. The insurance company is not going to do it for you. Do not make any kind of payment without finding out why the company rejected and/or denied it. There may be a way to have them pay it first.
  • It is better to get a “predetermined explanation of benefits”. Some work will be needed. Some of it will not be. Find out what your plan will cover under a hypothetical situation. Do this before agreeing to any kind of unnecessary procedure.
  • You have to know what your plan’s limit is. Most plans have a maximum number of visits you can use up in a year. Most have a maximum number of procedures you can have done in a year. Once you go over this limit, you will be responsible for paying it all. Something else to keep in mind.
  • Are you having a procedure done that will take a few sessions? it is your job to get the most out of your plan with this. Plan this out according to time and place. Do not have everything done all at once. This will count against you.
  • Go to your exams and cleanings at least twice a year. Some may not be able to afford this. Do what you can afford to do. Routine visits will reduce the chances of having extensive procedures done later on.