Wednesday, November 5, 2014

Do you have questions about renewing your dental insurance?

It is that time of year where decisions about dental insurance options need to be made.  Should you go with Option A or Option B?  Sometimes understanding all the implications of your dental insurance choices is difficult.  Right now more employers are trying to save money and pass on the costs in the form of higher deductibles, lower coverage percentages and less coverage on the most common procedures.  Here are a couple of things to keep in mind as you make your dental insurance decisions.

·      CLEANINGS.  If you have dental insurance, you will have coverage at our office for 2 regular cleanings per year.

·      FILLINGS, CROWNS AND ROOT CANALS.  When evaluating the best insurance coverage for you, look for coverage on procedures that you will most likely need.  For a lot of people these are fillings, crowns and root canals.  Fillings are usually under “Basic” coverage and crowns are usually considered “Major”.  Root canals are considered “Endodontics”.

·      ORTHODONTICS, IMPLANTS AND OTHER EXCLUSIONS.  If you have more specific concerns, look at the coverage or possible exclusions for those items.  If you have children that are going to need orthodontics, check for the orthodontic coverage.  If you've been told you need a dental implant, check the implant coverage.  It may be worthwhile to pay a little more in premiums to have coverage's for these items.
  
·      RESTRICTIONS ON CHOOSING A PROVIDER.  Watch out for dental coverage's that make you go to a specific clinic or dental office.  We have had many patients come to us that are disappointed to find out that they need to go to a specific dental office and they didn’t understand this when signing up for their insurance.

·      COST EVALUATION.  The cheapest plan is not always the best one-neither is the one with the lowest deductible or highest yearly maximum.  It is like anything else, you get what you pay for and if it seems too good to be true, it likely is. It’s most important to make sure you get coverage on the dental procedures that you need the most. 

·      ALTERNATE OPTIONS.  If your employer doesn't offer dental insurance, keep in mind that we offer an affordable dental plan to help our patients get quality dental service at a price that they can afford.  Check out our AFD In-Office Dental Plan by clicking on this link.   

If you want to find out what dental work you may need in the future, stop in for a free consult.  Dr. Zollinger can take a look at what is going on in your mouth and give you a full treatment plan of your dental needs.  That can help you plan for your dental insurance needs for next year.


We would be happy to answer any of your questions about your treatment needs and your dental insurance.  Feel free to give our office a call to speak to our insurance specialist. 

 651-482-1122

21 comments:

  1. I do want to change my current dental insurance. I am not very satisfied with it. The information is great for my quest of finding a great dental insurance for my needs. I will keep in mind the information you posted. I am looking forward having healthy teeth. http://www.arthurstreetdental.ca/index.php?page=services

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  2. I am moving my family to Canada as a result of my work. I am researching our health insurance options. How do we set up Canadian Dental insurance in Canada?

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  3. I forgot that you have to renew your dental insurance every year. Now that I actually think about it I think I'll have to put sometime off to do that, because I need to take my kids to the dentist soon.
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  6. This is some really good stuff to know. I'm almost to the point where I need to renew my dental insurance. I especially found the section on cost evaluation helpful. I have five kids, so I'm pretty sure that will affect the cost of treatment. I wonder if you have to choose a specific family dentist and evaluate the cost based on that dentist's work or if you can get a generic evaluation. We haven't really decided on a family dentist just yet, so it would be nice to get a generic evaluation that we could apply toward any dentist. http://www.lindanicholsdentistry.com/About-Us/

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    Replies
    1. I'm in a similar situation, Gerald. I'm trying to find the best dental insurance policy for my family. Not to mention, I'm also trying to decide on a good family dentist. We recently moved and we're still getting acquainted with the area. There's lots of good ones out there. Hopefully I can find both an insurance policy and a family dentist soon! http://afdentistry.net/

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  7. I agree that dental insurance is really important. My kids need to be safe and I want them to have a good dental plan and insurance covering any and all cost of visiting the dentist. Thanks for the tips.

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  9. I've been looking for a good family dentist that will make my trips to the dentist nice and easy. I've got no problem with dental visits, but both of my kids hate going. They always make such a big scene when we visit the dentist, so I've decided just to find a better quality dentist to help them out. Do you guys know where I could go to find a good dentist that's good with children?
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  11. The only reason why I don't like dealing with my insurance company is that more than half of the time I get a robot on the other end. When I do get a person, they are helpful. I think I'll have to call them about renewing my dental insurance to the family dentist we go to. I know that the policy is changing a little bit. I'm sure the dentist will still accept my insurance. http://www.laserdentalvic.com.au/our-practice

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  12. I really need to renew my dental insurance, it's just not enough coverage for what my family needs. If I wanted to add my oldest daughter, would they let me? She is over 18, she just wants to save some money. http://www.owocdentalgroup.com

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  13. All that I need is two cleanings a year to make sure that my teeth are good. If I ever feel pain in between those appointments I make sure to go in right away to see what's going on. If you go in when you first feel the symptoms you can prevent serious damage later on. http://www.legacydentalalaska.com/contact1

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  14. I've been really bad when it comes to renewing my dental services. I just keep forgetting to stop by the office after work. Do you guys think there's any way I could get this all settled online? That would just save me so much time and effort.
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  17. Thank you so much for the information about renewing dental insurance. I like how if I renew my dental insurance, I will be able to have regular teeth cleaning appointments. I really like getting my teeth cleaned because it makes my teeth feel good afterwards. I hate having a lot of plaque and such on my teeth.

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  19. Dental insurance is very confusing to me. However, I only have another year left on my father's insurance so I need to figure out a plan for me. There is no way I can go without decent coverage because my teeth are super weak. Even though I brush regularly and eat well I always tend to get cavities.

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