Dental Insurance – Rocky Mount, NC
Understand the Basics of Your Plan
Do you have dental insurance, but aren’t sure what all is covered by your plan? Our team is here to help you get a better grasp on notoriously illusive dental insurance benefits so you can get the most out of your investment. We help our patients minimize out-of-pocket costs while receiving the dental treatments they need without having to deal with the stress of filing their own claims. To learn more about how your plan works, read below.
Understanding How Dental Insurance Works
To better understand how dental insurance works, you’ll need to commit a few terms to memory:
- The maximum is a capped-off amount of money that your dental insurance company will pay for your treatments over the course of a calendar year. Once you exceed your maximum, you’ll be required to pay out-of-pocket for treatments.
- The deductible is a set amount that your insurance company will require you to pay out of your own pocket before your benefits kick-in.
- The premium is a monthly or annual amount that you pay to receive your benefits.
What Does My Dental Insurance Cover?
Not every dental insurance plan is the same, which is why it’s crucial to contact your provider directly if you’d like to find out whether they’ll cover a specific treatment. However, most plans determine coverage based on a 100-80-50 structure. This means that they’ll cover 100 percent of basic preventive care like checkups and cleanings, 80 percent of treatments like cavity fillings, and 50 percent of more serious procedures like tooth extractions.
Helping You Get the Most Out of Your Insurance
Our team files insurance claims for our patients with PPO dental insurance plans to help them maximize their benefits and take advantage of their dental insurance coverage. If you have any questions about how we do this or would like us to help you navigate your plan, don’t hesitate to reach out to us.