Dental insurance?
Wednesday, September 2nd, 2009 at
4:46 pm
I am getting dental insurance through work soon, and I have never had to pay for insurance til now. So what is considered Preventive treatment? And what things would fall into basic treatments? Also what would be considered major treatments? My plan pays for a percantage of all of these. Also what is the deductible? I have a 5 deductible and am trying to figure out what that is.
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Back to the basics — you need to check with the company the dental insurance is through – that’s step #1. Preventative treatments include cleanings, x-rays – things to prevent major problems down the road. Major treatments would also have to be defined by the insurance company – an example would be a root canal, crown, bridge, etc (most of which I’m sure you don’t need if you’re young and have taken good care of your teeth). A $225 deductible means that the first $225 of any/all treatments (new patient exams, x-rays, cleanings) would have to be paid by YOU — after you’ve paid out $225 out of your own pocket then the insurance will kick in a certain percentage! Good luck!! Read carefully between the lines and if it sounds too good to be true – it usually is!
You should have a paper that tells you what the breakdown is from the company. Dental plans are not all the same. If you do not have one ask your HR department for one.