{"id":375,"date":"2023-06-09T14:52:27","date_gmt":"2023-06-09T14:52:27","guid":{"rendered":"https:\/\/www.capehartdentistry.com\/blog\/?p=375"},"modified":"2024-08-11T16:49:15","modified_gmt":"2024-08-11T16:49:15","slug":"dental-insurance-what-you-should-know","status":"publish","type":"post","link":"https:\/\/www.capehartdentistry.com\/blog\/2023\/06\/09\/dental-insurance-what-you-should-know\/","title":{"rendered":"3 Things to Look For When Buying Dental Insurance"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.capehartdentistry.com\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_215510866__1689000412_14333.jpg\" alt=\"dental insurance paperwork\" class=\"wp-image-376\" style=\"width:304px;height:203px\" srcset=\"https:\/\/www.capehartdentistry.com\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_215510866__1689000412_14333.jpg 800w, https:\/\/www.capehartdentistry.com\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_215510866__1689000412_14333-300x200.jpg 300w, https:\/\/www.capehartdentistry.com\/blog\/wp-content\/uploads\/2023\/07\/AdobeStock_215510866__1689000412_14333-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n\n\n<p>When it comes to taking proper care of your oral health, it\u2019s important that you have a <a href=\"https:\/\/www.capehartdentistry.com\/dental-insurance.html\">dental insurance<\/a> policy that will make it easier to keep more money in your pocket. With so many different companies and plans available, it can be difficult knowing which one to choose. The good news is that there are ways to identify a policy that is right for you. To help you get started, here are 3 things to look for when preparing to invest in a quality dental insurance plan.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Check To See Which Dentists Are In-Network<\/h2>\n\n\n\n<p>Do you already have a dentist that you like? If so, you\u2019ll need to inquire about which dental insurance companies they are in-network with. If they already take your plan, you\u2019ll receive great savings each time you go in for a checkup or need restorative care. However, if they\u2019re not in-network, you\u2019ll need to decide whether you want to continue seeing them (and pay out-of-network prices) or choose a new dentist.<\/p>\n\n\n\n<p>If you opt for the latter or simply need to find a dentist to start your oral healthcare journey, a PPO or HMO plan will require that you choose one from their pre-determined lists. Knowing who you can see will help you to save the most money when visiting the dentist\u2019s office.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understand What Your Policy Covers<\/h2>\n\n\n\n<p>Although much of the terminology can be cumbersome and difficult to navigate, you\u2019ll need to know the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>How much is your monthly premium?<\/li>\n\n\n\n<li>How much is your annual maximum?<\/li>\n\n\n\n<li>Do you have a deductible and\/or co-pay?<\/li>\n\n\n\n<li>What are the benefits?<\/li>\n<\/ul>\n\n\n\n<p>Typically, most dental insurance plans design their benefits to follow a 100-80-50 breakdown. This means that you will likely find that your preventive services will be covered at 80-100%, minor restorative services will be covered at 70-80%, and major restorative services will be covered at 50%.<\/p>\n\n\n\n<p>Having a clear understanding of these factors can help you determine how much you will pay each month for access to your benefits as well as what you can expect from your insurance company in return.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Orthodontics May or May Not Be Included<\/h2>\n\n\n\n<p>Whether it is you or your child who might need braces, you\u2019ll need to find out if the policy you\u2019re considering provides orthodontic coverage. Most do not, which is why you\u2019ll want to look into purchasing a separate policy strictly for this need.<\/p>\n\n\n\n<p>While it won\u2019t cost you much in addition to your regular dental insurance policy, it will require a bit more of an investment on your part, but the savings (up to 50%) will be well worth it in the long run.<\/p>\n\n\n\n<p>Purchasing a dental insurance policy doesn\u2019t have to be hard. By taking some time to compare prices and check the details, you\u2019ll find a plan that is right for you.<\/p>\n\n\n\n<p><strong>About the Author<\/strong><br>Dr. Christopher Capehart earned a Doctor of Dental Surgery degree from the University of Texas Health Science Center at San Antonio, graduating Magna Cum Laude. With a passion for dentistry, Dr. Capehart wants his patients to not only walk away with a healthier, longer-lasting smile but also one that doesn\u2019t require emptying one\u2019s wallet. As a dentist who is in-network with many dental insurance companies, he and our team are here to help you save. Contact us via our <a href=\"https:\/\/www.capehartdentistry.com\/contact-us.html\">website<\/a> or by calling <strong>(972) 436-1325<\/strong> to learn how we can help to maximize your benefits.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to taking proper care of your oral health, it\u2019s important that you have a dental insurance policy that will make it easier to keep more money in your pocket. With so many different companies and plans available, it can be difficult knowing which one to choose. The good news is that there [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-375","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dental Insurance | What to Look For | Capehart Dentistry<\/title>\n<meta name=\"description\" content=\"Unsure what to look for when buying dental insurance? 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