5 Questions to Ask Before Choosing a Dental Insurance Plan

dca-blog_understanding-dental-insurance

Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in Virginia, call Dental One Associates of Virginia today at (855) 979-3337 or make an appointment.

Dental One Associates offers affordable family dentistry and gentle, compassionate dental care in Virginia. With 5 affiliated practices throughout Virginia, our offices are conveniently located with extended hours to meet your needs. At Dental One Associates of Virginia, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at Dental One Associates of Virginia.

Read What Our Patients Say
Patient Reviews
Caring and professional. Looking for a dentist? Can’t say enough good things about Dr. Z!
Sophia N.
Great doctors and staff!
Kelsey G.
My Hygienist is awesome….appointments are always on time.
Michelle F.
Easy appointment and dentist explained everything
Thomas L.
Great dental care, comfortable check-up.
Michael D.
Everyone makes me feel at ease
Camille H.
Overall professionalism
Tom S.
Great practice! Very good explanations of what they are doing each step of the way, very attentive to any pain, friendly, warm, and all have a great sense of humor!
Howard W.
Had my teeth cleaned today by Jennifer. She was wonderful and I will keep going back to her.
Jamie B.
Had multiple bridges, work done on my teeth. Wonderful job done.
Manoj S.
Everything went well and explained throughout the whole procedure. Very kind assistant also..
Eric B.
I hate going to the dentist as it is never a fun experience for me. Everyone is here is so nice and welcoming. The dentist is very kind and thorough with his explanations. The staff was members were […]
Danielle D.
All of the staff are caring, professional, and go out of their way to ensure that your experience is a great one!
Linda W.
I have been a patient of Dr. Miller for many years. He is a perfectionist in his field and he always insures that a procedure is done exactly right. I know it doesn’t come any better than that!
Sarah D.
everyone was very nice to me
Bonnie L.
Excellent treatment
Oren J.
Terrified of the dentist due to a bad experience. Dr. Z and Rhea made me feel so at ease and the staff members were just as great. I only wish I had found your office much sooner. I will definitely […]
Linda W.
The office staff is very friendly and helpful. Also the dentist does great work and has a good bedside manner.
Kandy M.
Great office
Joan G.
Greet service.
Bernadett D.
We Accept Most Insurance Plans!
Learn More

We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

No Insurance? No Worries! See our discounts and offers here