What questions should you ask your dental insurance company?
It is very important to understand your dental benefits.
Your insurance company can provide you with a breakdown of your dental benefits. There are six areas that you can ask about to help you better understand your benefit level:
Plan Year: Does your insurance follow a calendar year? If not, what month and day does your plan year start and end?
Yearly Maximum: What is your annual maximum benefit dollar amount?
Waiting Periods/Age Limitations: Are there any waiting periods for benefits to begin or age limitations?
Frequencies: How often does your plan cover cleanings, exams, films, fluoride, and sealants?
Composite Restorations: Does your plan reduce coverage to the rate of old-fashioned amalgam restoration material?
Percent Coverage: What percent does your insurance cover for:
Preventative/Diagnostic?
Basic Restorative?
Major Restorative Treatment and Prosthedontics?