Navigating the world of dental insurance can be complex, but understanding your coverage options is crucial for maximizing your dental health benefits. Whether you’re choosing a new plan during open enrollment or wanting to make the most of your current plan, being informed can help you make better decisions. Here at Capital Dental Group, we’ll help you understand and utilize your dental insurance effectively.
Considerations During Open Enrollment
Assessing Your Dental Needs
Open enrollment is the right time to assess your dental health needs for the coming year. Are you going to need any procedures such as routine cleanings, fillings, or more extensive work like crowns or orthodontics? Regardless, knowing what services you and your family will likely require can guide you in selecting the right plan.
Comparing Plan Types
There are generally two main types of dental insurance plans to choose from:
- Dental Health Maintenance Organization (DHMO): These plans typically feature lower premiums and no deductibles but require you to see dentists within a specific network.
- Preferred Provider Organization (PPO): PPO plans offer more flexibility in choosing a dentist and do not require referrals for specialists. However, they often come with higher premiums and deductibles.
Taking Advantage of Unused Benefits
Many dental insurance plans have benefits that expire at the end of the calendar year, such as the maximum amount insurance will pay or contributions to dental procedures like fillings or crowns. It’s important to review your benefits to ensure you’re not leaving unused opportunities on the table, especially if you have pending dental work that can be completed before the year ends.
Utilizing Dental Insurance at Capital Dental Group
Using your dental insurance wisely involves regular check-ups and treatments to prevent more severe issues down the line. At Capital Dental Group, we work closely with our patients to ensure they are maximizing their dental insurance benefits effectively. Be sure to use your benefits before they expire! Give us a call at 661-861-8000 to schedule an appointment today!