Bob Dylan said it best: “The Times They Are a-Changin’.” Keeping up with the changes in your full coverage dental insurance is like trying to understand Einstein’s brain: it’s impossible.
Most dental practices have contracts with major and local insurance companies. Many third-party options have become available for patients to help pay for dental costs, too.
The term “full-coverage dental insurance” has different meanings to so many people. Some think full coverage will take care of their basic services like routine checkups, cleaning, and x-rays.
Others expect a plan that covers all dental costs, including preventative, minor, and major dental repairs.
Premiums have gone up, but patient benefits haven’t. So what gives? And how are you supposed to know what plan is right for you?
Then and Now
Insurance companies used to pay for two fluoride treatments per year, and now they only cover one. Along the same theme, silver fillings are covered, but white fillings are not.
Your money doesn’t go as far as it used to. In the past, with a plan that covered $1,000, you could count on getting a lot of procedures done.
Now, an exam, fillings, and x-rays can add up to over $1,000, so if you need any additional work, you’ll have to pay out of pocket. Doesn’t really sound like full coverage dental insurance, does it?
Medicare doesn’t cover many dental costs, while Medicaid benefits vary from state to state.
Understanding Your Policy
The most important thing you can do is check with your insurance provider to see exactly what you are covered for. Nowadays, true full coverage dental insurance is considered a myth.
Read your plan in detail and know your out-of-pocket expenses so you can budget for the future. And, if reading that plan is like reading Greek to you, we can help!