Dr. Rene A. Talbot, DDS Can Help You to Understand Your Dental Insurance

Posted on: October 2, 2017

DentistOur dental office understands that having the best oral health possible is critically important to the people. Thus, we make sure to provide you with a holistic approach to a healthy mouth. The bottom line is this, if you have a healthy mouth, the rest of your body typically follows suit.

We know that the cost of providing holistic care for your mouth can be affordable if you plan correctly. Routine and preventive care can have an impact on a family budget, so when you start talking about treatment for diseases, accidents, or dental emergencies the impact can be high without insurance.

Most of our patients turn to health insurance, dental insurance to be specific, in order to offset some of the costs of having a healthy mouth. As one starts to think about using dental insurance to offset the cost of visiting the dentist, it is important to have an understanding of the family’s needs and also to understand how dental insurance works.

We Can Help You to Make Sense of Insurance

At our Huntsville dentist office, we understand that dental plans can be extremely complicated. Most people have an understanding of how insurance works and are surprised to find that dental insurance often does not operate on all of the same principles. While we have been taught to believe that insurance is a protection against unforeseen expenses, dental insurance tends to work more like a discount coupon that offsets the cost of dental care.

In other words, it is important to understand all aspects of a plan and we can help. If an individual needs help understanding it, the administrative staff at our office can help once we have a copy of the plan. Our team can help the individual gain a more comprehensive understanding of what is covered and what percentage the insurance will play. There are a few things that the individual needs to be aware of with any plan.

Understand the Details of Your Plan

The first, and most important thing, that an individual can know is what the plan covers. Some plans will pay for routine care and treatment at our Huntsville dentist office. Other plans will include some level of orthodontics, and a few plans will actually pay for cosmetic enhancement. The second thing an individual needs to be aware of is what percentage the dental insurance will pay, typically between 50 and 80 percent. The individual needs to also know what percentage of the bill he or she is responsible for. Remember, that dental insurance looks like a discount coupon which means that a portion of the payment will be the individual’s responsibility.

Hence, the individual needs to understand what the deductible and office visit fees cost. The individual will also need to be aware of what the individual and family deductibles are. Lastly, the individual needs to always know the top cap on the dental insurance. We can keep an eye on the top cap of insurance to ensure that the individual does not pay unnecessary expenses. We can also use this to make sure that you get the most out of your benefits by planning your treatments according to your plan

Get help or learn more by calling our office today.


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