Dental Insurance 101: Tips for Understanding Your Coverage

August 20, 2020

Filed under: Uncategorized — Dr. Buck @ 11:09 pm
Woman looking over paperwork

Are you overdue for a routine cleaning? Does a searing pain in your tooth have you thinking you have a cavity? Do imperfections in your teeth make you long for a smile upgrade? If you answered “yes” to any of these questions, then it is time to schedule an appointment with your dentist. However, if you recently changed jobs or moved, you may not fully understand what your dental insurance actually covers. To save you the headache of trying to decipher the paperwork on your own, a dentist in Dublin is sharing three tips!

Tip #1. Understanding “100-80-50” Coverage

Across your paperwork, you may see the numbers “100-80-50” repeatedly. This sequence is common on dental insurance policies and refers to 100% coverage on preventive care, 80% on basic procedures (like fillings), and 50% on crowns, bridges, and other major procedures. If you need an extensive list of which treatments are included in each category, don’t hesitate to reach out to your provider.

Tip #2. “Out of Network” Does Not Mean “Out of Coverage”

In the medical world, there are cases where “out of network” does mean “out of coverage.” So, it’s understandable that patients assume the same applies to their dental insurance. However, that is not the case! In fact, there may be little to no difference between the coverage you receive from dental providers who are in or out of network. Therefore, it can be helpful to talk directly to potential dental teams about how they can maximize your benefits.

Tip #3. Pick Your Provider

Let’s face it: going to the dentist is probably not your favorite activity. However, a dentist who is conveniently located next to your office, a dental team that offers weekend availability, or an atmosphere that prevents you from feeling anxious may make all the difference. Therefore, it is important to pick your provider, instead of letting the insurance company do it for you. Even if there is a difference in coverage, your oral health is worth the money!

Shuffling through papers of unfamiliar jargon can be anxiety-inducing and make you feel like you’re going in circles. Fortunately, you can use the above three tips to better understand your coverage. That way, you can improve your oral health and smile without worrying about what is and is not covered!

About the Author

Since obtaining his Doctor of Dental Surgery from The Ohio State University College of Dentistry, Dr. Eric Buck has used his extensive experience, clinical skills, and passion for his craft to help his patients achieve beautiful smiles and pristine oral health. Outside the office, he is a member of multiple reputable organizations, including the American Dental Association and the Ohio Dental Association. If you are looking for a dentist in Dublin, don’t hesitate to visit his website or give him a call at 614-792-1800.