{"id":177,"date":"2023-09-18T02:53:00","date_gmt":"2023-09-18T02:53:00","guid":{"rendered":"https:\/\/www.columbusdentalarts.com\/blog\/?p=177"},"modified":"2023-10-18T02:56:48","modified_gmt":"2023-10-18T02:56:48","slug":"what-you-need-to-know-about-your-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.columbusdentalarts.com\/blog\/?p=177","title":{"rendered":"What\u2019s the Difference Between Medical and Dental Insurance?"},"content":{"rendered":"

\"Calculator,The American Dental Association recommends seeing your dentist every 6 months for a cleaning and checkup. However, 35% of adults never schedule an appointment. The cost of dental care is a common reason people don’t see their dentist regularly. If you have dental insurance<\/a>, you don’t have to worry about a large bill. Paying your premiums gives you access to a nationwide network of dental professionals. You can use your coverage to achieve optimal oral health without breaking the bank.<\/p>\n

<\/p>\n\n\n

Premiums and Deductibles<\/h2>\n\n\n\n

Medical and dental insurance works a bit differently. Every month, you pay a premium for your dental policy, allowing you to benefit from discounted rates for common services after meeting your deductible. Your annual deductible is the amount you must pay out-of-pocket before your benefits kick in.<\/p>\n\n\n\n

Reduced Rates for Comprehensive Care<\/h2>\n\n\n\n

Dental insurance focuses on prevention to stop oral health issues from occurring, like cavities and gum disease. Research has found that every $1 spent on preventive dentistry can save up to $50 on emergency and restorative care. You can visit your dentist semi-annually for a cleaning and checkup for a co-payment. 100% of the expenses for preventive services are covered, including X-rays.<\/p>\n\n\n\n

If your dentist finds anything concerning, you won’t have to spend your life\u2019s savings to treat the issue. After meeting your deductible, your insurance will pay $50 to 80% of the expense for restorative procedures until you reach your annual limit. You are given a yearly allowance to use toward the cost of any medically necessary procedures.<\/p>\n\n\n\n

In-Network VS Out-of-Network <\/h2>\n\n\n\n

Your dental insurance recommends choosing a dentist in their network to enjoy more coverage at the time of services. They have pre-negotiated rates with specific dentists to lower your out-of-pocket cost. You can still choose any dentist that accepts your coverage, even if they are out-of-network. You’ll have to pay the difference between the dentist\u2019s fees and your insurance’s allowable amount.<\/p>\n\n\n\n

Dental Benefits Don\u2019t Last Forever<\/h2>\n\n\n\n

Your coverage resets at the end of the year and you’ll lose anything you haven’t used. You won’t be reimbursed for your premiums or deductibles, either. On average, less than 3% of Americans meet or exceed their annual limits, which means you could lose hundreds of dollars that could have been spent on your dental health.<\/p>\n\n\n\n

You pay for your coverage, so don’t throw money down the drain. It’s never too late to commit to a healthy smile. Your dentist will help you make the most of your dental insurance to invest in your oral health without it costing you an arm or a leg.<\/p>\n\n\n\n

About Dr. Maria Maiorino<\/strong><\/p>\n\n\n\n

Dr. Maiorino<\/a> has over 30 years of experience in dentistry. She earned her dental degree at Temple University School of Dentistry and has regularly continued her education to provide the most up-to-date treatments. Dr. Maiorino is affiliated with many professional organizations, including the American Dental Association. She accepts several dental insurance plans to keep a healthy, beautiful smile affordable. Request an appointment<\/a> through her website or call (609) 998-8838.<\/p>\n","protected":false},"excerpt":{"rendered":"

The American Dental Association recommends seeing your dentist every 6 months for a cleaning and checkup. However, 35% of adults never schedule an appointment. The cost of dental care is a common reason people don’t see their dentist regularly. If you have dental insurance, you don’t have to worry about a large bill. Paying your […]<\/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":[],"yoast_head":"\nWhat You Need to Know About Your Dental Insurance<\/title>\n<meta name=\"description\" content=\"Your dental insurance is an investment in reduced rates for the services you need to keep your teeth and gums healthy.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.columbusdentalarts.com\/blog\/?p=177\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What You Need to Know About Your Dental Insurance\" \/>\n<meta property=\"og:description\" content=\"Your dental insurance is an investment in reduced rates for the services you need to keep 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