What does my insurance cover?
Dental insurance helps to cover some of the costs and coverage varies from plan to plan. Annual deductibles and copays are usual for many plans.
Many dental insurances also have an annual maximum, which puts a cap on how much an insurance company will pay per benefit year.
Many plans follow the 100-80-50 rule. This means they cover 100% for preventive and routine checkup and cleanings, 80% of filings, root canals and 50% for crowns and surgical procedures.
Is it worth having dental insurance?
This is for each one to determine. Here are two good resource that might help making a decision https://www.bankrate.com/finance/insurance/dental-insurance-1.aspx http://www.investopedia.com/articles/pf/07/dental-insurance.asp
Why does my insurance not pay for this?
Depending on your plan, many insurances have exemptions and clauses that will determine the coverage level. Waiting periods are another big consideration to look for. Sometimes an insurance will allow the least costly alternative procedure, such as amalgam filings. We wouldn’t put a new amalgam filling in our mouth, so we don’t put it in yours.
HMO, PPO vs indemnity plan
HMO plans allow you to only go to a provider that you are assigned to.
PPO providers usually have participating providers, but also allow you to go to any provider you want to go.
Indemnity plans allow you to go to any dentist of your choice.
The best dental insurance plan or how to avid time consuming and costly dental work?
Prevention, prevention, prevention…. Don’t skip on you 6 month oral hygiene appointment, and of course do your part at home.
What if I don’t have insurance?
We offer payment plans. Our key is to take care of your dental needs taking into consideration your financial status.
If you have any question regarding insurance or financials, feel free to call at 908-782 4521 or sent an email with your question to info@yoursmilenj.com.