Navigating dental insurance plans is often dreaded by patients due to varying coverage, complicated jargon, and waiting on the phone to speak with representatives. Fortunately, our team handles dental insurance benefits every day, so we know what we’re talking about! We’re more than happy to help patients get the most out of their investment in their plan and can explain the basics. Below, you can find a small crash-course of information that you may find helpful when navigating your coverage.
When it comes to understanding how dental insurance works, you’ll need to commit a few key terms to memory.
Dental insurance plans vary from patient-to-patient, so to find out if you have specific benefits, it’s best to contact your company directly. However, they typically determine coverage based on a 100/80/50 structure. This means that they cover 100 percent of preventive care like checkups and cleanings, 80 percent of basic treatments like cavity fillings, and 50 percent of more invasive procedures like root canal therapy and tooth extractions.
At Worcester Endodontics, we want to make receiving the pain-relieving, expert care that you need affordable and accessible. That’s why we’re happy to be in network with several major dental insurance plans. This means that we have negotiated discounted rates and fees to put more money in our patients’ pockets. We also file claims on behalf of our patients who are out-of-network as well to help them maximize their benefits.