{"id":31,"date":"2019-03-21T21:02:56","date_gmt":"2019-03-21T21:02:56","guid":{"rendered":"https:\/\/www.beverlyfarmsdental.com\/blog\/?p=31"},"modified":"2025-11-12T18:48:49","modified_gmt":"2025-11-12T18:48:49","slug":"how-to-get-the-most-out-your-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.beverlyfarmsdental.com\/blog\/2019\/03\/21\/how-to-get-the-most-out-your-dental-insurance\/","title":{"rendered":"How to Get the Most Out of Your Dental Insurance"},"content":{"rendered":"
\n
\"Dental<\/figure>\n<\/div>\n\n\n

Delving into the details of your dental insurance plan may not sound exciting, but understanding your coverage is certain to make you smile! That is because knowing the ins and outs of your dental insurance plan can help you maintain a healthy mouth\u00ad \u00adand<\/em> save you money! From key terms, to typical coverage rates, to handy tips to maximize your benefits, here is how to get the most out of your dental insurance.<\/p>\n\n\n\n\n\n\n\n

3 Key Definitions to Know <\/h2>\n\n\n\n

Here are three important terms to understand if you want to evaluate and understand your dental insurance plan: <\/p>\n\n\n\n

    \n
  • Deductible<\/strong>
    \u2013 The minimum amount you must first pay out of pocket before your dental insurance
    kicks in. For example, if the deductible on your plan is $100, your insurance
    will only begin covering your dental care costs after<\/em> you have paid the first $100. <\/li>\n\n\n\n
  • Co-Pay<\/strong>
    \u2013 Once the deductible is met, your dental insurance will cover a portion of the
    bill. However, you are responsible for paying the remainder of the bill \u2013 this portion
    of the bill is called the co-pay. Co-pays can range anywhere from 20% to 80% of
    the total bill, depending on your level of coverage and what procedure has been
    done.   <\/li>\n\n\n\n
  • Yearly
    Maximum<\/strong> \u2013 An important thing to keep in mind is that most dental insurance
    policies have a maximum amount of coverage in a year. Once a patient reaches
    the yearly maximum \u2013 which can range anywhere from $750 per year to $2,000 per
    year \u2013 they must pay for 100% of any remaining charges. <\/li>\n<\/ul>\n\n\n\n

    What is Typically Covered? <\/h2>\n\n\n\n

    The details of dental insurance plans can vary widely depending on a range of factors, so be sure to read the fine print of yours. However, dental plans often cover the following procedures like so:<\/p>\n\n\n\n

      \n
    • Preventive dental procedures<\/strong> \u2013 Most dental plans cover 100% of the cost of exams, cleaning and X-rays.  <\/li>\n\n\n\n
    • Basic restorative procedures<\/strong> \u2013 Depending on your plan, you may be reimbursed up to 80% for procedures such as root canals, fillings and extractions. <\/li>\n\n\n\n
    • More extensive restorative procedures \u2013 <\/strong>Many insurance plans cover up to 50% of extensive restorative dental work, such as crowns, orthodontia or fixed and removable bridges. <\/li>\n<\/ul>\n\n\n\n

      Tips to Maximize Your Benefits <\/h2>\n\n\n\n

      Here are a couple handy tips to maximize your dental\ninsurance benefits and keep more of your hard-earned money in your wallet: <\/p>\n\n\n\n

      Tip #1<\/strong>: If you\nare considering more extensive treatment (e.g., a dental implant), the perfect\ntime to get started is after you have met your annual deductible but while your\nannual coverage remains. Under this scenario, your out-of-pocket will likely be\ndramatically reduced! <\/p>\n\n\n\n

      Tip #2<\/strong>: If you\nare getting close to your insurance policy\u2019s annual maximum, however, beginning\nmore extensive treatment near the end of the year is recommended. This way, you\ncan split the cost across two years \u2013 using up your remaining dental benefits\nthis year and then taking advantage of your renewed benefits in 2020.  <\/p>\n\n\n\n

      Putting your dental insurance to use will help keep you smiling in 2019 and beyond! If you have additional questions about what is covered and what is not under your plan, talk to a dentist in Beverly today.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Delving into the details of your dental insurance plan may not sound exciting, but understanding your coverage is certain to make you smile! That is because knowing the ins and outs of your dental insurance plan can help you maintain a healthy mouth\u00ad \u00adand save you money! From key terms, to typical coverage rates, to […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-31","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/posts\/31","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/comments?post=31"}],"version-history":[{"count":5,"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/posts\/31\/revisions"}],"predecessor-version":[{"id":558,"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/posts\/31\/revisions\/558"}],"wp:attachment":[{"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/media?parent=31"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/categories?post=31"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.beverlyfarmsdental.com\/blog\/wp-json\/wp\/v2\/tags?post=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}