People tend to use their health insurance more than their dental insurance which can easily lead to confusion. Even though there are plenty of similarities between the two, there are plenty of differences as well, making it difficult for many to fully comprehend. Fortunately, your dentist in Orange Park is here to help you make more sense out of it. Read on to learn a few helpful tips on navigating your dental insurance.
Understand Your Plan
All dental plants are different from each other, so understanding your own gives you more freedom in seeking the treatments that you are needing to get. Your dental insurance company pays a certain percentage based off the price levels that are set for each treatment. It is important to know what this allowable amount is before you commit to anything because this will tell you exactly how much of it you will be responsible for. You don’t want any negative surprises.
Know the Meaning of “Out of Network”
Just because a dental provider is out of network doesn’t always mean that none of your treatments will be covered at all. Sometimes, this is the case, but for others this just means that the amount that the insurance company covers is only reduced, not completely absent. Your dentist’s administrative team can help you determine this.
Choose Your Own Dental Provider
Your insurance company doesn’t have the ability to choose who you should be getting your care from. That’s all up to you. After all, that’s what it means to have a PPO dental insurance plan. When you are researching, if you notice that there is a difference in coverage between two different providers, it’s up to you to weight the pros and cons in order to determine the best decision for your individual needs.
Understand That You Are the Customer
Remember that your dental provider is not the customer of your dental insurance company – you are! In general, they will be much faster to reimburse you than the dental office. So, if you ever find yourself in a situation where you need to pay your provider in full, your insurance company will reimburse you in a matter of weeks. This is a great thing to verify on your own, but your dentist’s helpful administrative team is also there to help you figure everything out.
Navigating your dental insurance can be a challenge, but by keeping these tips in mind, you can grasp a better understanding so you are able to maximize your benefits.
About the Author
Dr. Natasha Patel began her dental studies at SDM College of Dental Sciences in Karnataka, India before attending the prestigious Nova Southeastern University School of Dental Medicine in Fort Lauderdale, FL. At Kind Care Dentistry, most PPO insurance plans are accepted. For more information or to schedule an appointment with Dr. Patel, visit her website or call (904) 278-9011.