Insurance coverage of visits to the dentist continues to deliver surprises. Many people feel cheated and taken advantage of. But is the dentist to blame or the insurance company? Misconceptions are common, and dental insurance distinguishes itself from medical insurance in a number of ways.
This article will cut down and clear up ten of the most common myths about Dental Insurance.
Myth 1 – It’s the Same as Health Insurance
The difference becomes apparent when considering premiums and deductibles. In and out of network coverage varies as well. Co-pays and what treatments are covered often depends more on the insurance provider than the plan selected. Looking at the nature of each of these categories as compared to health insurance, and you’ll find that nothing behaves the same. The solution: don’t expect your dental insurance to behave like health insurance.
Myth 2 – Putting Off Procedures Can Save Out of Pocket Costs
It may work in theory because your insurance only covers so much per year. In reality, dental problems get costlier as you put them off. Missed cleanings become cavities, become root canals, become crowns. Braces and correcting the dreaded occlusal disease is not cheap either.
Myth 3 – All Dentist Are the Same, Shop by Price
There are three specific areas where you’ll find dentists distinguish themselves within. Don’t let price be the only thing you consider.
Cosmetics – What will the results look like?
Function & Longevity – How effective is the treatment offered, and for how long will you have to undergo treatment?
Comfort – How comfortable will the treatment be?
Instead of just shopping for price, shop in these categories first. Which one resonates with you the most? Once you have that in mind, then compare the prices of various dentists.
Myth 4 – Benefits Dictate Quality of Care
Many dentists work to help you get the most out of your dental insurance. They usually felt “left out of the conversation” in terms of what your insurance covers. Apply this by shopping for dentists based on your needs instead of your insurance coverage.
Myth 5 – Benefit Allowance Is for Emergencies Only
Unlike health insurance, dental insurance is not designed for emergency care. There simply aren’t nearly as many emergencies. Regular preventive care packages are usually the best there is.
Myth 6 – Many Dentists Don’t Accept insurance
Here is where much of the confusion and frustration is generated. The idea started with practitioners complaining about the complexity and difficulty in dealing with insurance companies, however, it’s extremely unlikely that your dentist would choose not to accept insurance as a policy of his practice. Understand that dentists are largely left out of the conversation about what procedures are covered.
Myth 7 If You Don’t Have A Dental Benefit Allowance, You Can’t Go to the Dentist
Even if you don’t have insurance, you can still visit the dentist. Not only that, but it’s advisable to go both for your health and finances. Going early to the dentist will save you money in the long run. Complications of tooth decay and cavities get more expensive with the time. An out of pocket cleaning is cheaper than a co-pay for a root canal. Dentists are members of a helping profession. They want the best for your oral health. Most of them are very willing to discuss options and help you figure out the best financial plan of action.
Myth 8 – Most Dental Plans Cover $1000-$1500 Per year
The short answer is to be prepared to cover more of your premiums $1000-$1500 per year has been the standard for decades and hasn’t been keeping up with increased costs. Opt for preventive care often. Get the filling so you can avoid the root canal.
Myth 9 – The Dentist Should Be Familiar with Your Plan, What It Covers, and What It Doesn’t
Dental insurance coverage of procedures is between you and the insurance provider, as crazy as they may seem. Get in touch with your dentist and discuss your options beforehand.
Myth 10 – Dental Insurance Is “Supposed” to Make Going to the Dentist Cheap
Think of it more like a coupon than a full-coverage plan. Insurance companies exist to make a profit.
For that reason, know specifically which benefits you are paying for. This is what you’ll be taking to the bank. Lastly, don’t let insurance dictate treatment. Otherwise, you will lose money down the road.