California Dental Insurance – Maximize the Dental Insurance Deductibles
It is crucial to schedule all dental appointments within the same year. Again, avoiding the deductible payment can be achieved by taking care of services within the same year. Let’s take a look at an example to understand how this works.
Suppose you have a dental insurance plan with a $100 deductible. You have a routine check-up in February, which costs $100. You pay the $100 out of pocket, and your deductible is met for the year. In April, you need a filling that costs $150. Since you have already met your deductible, your insurance plan will cover part of the cost, typically between 50 and 80 percent, depending on your plan’s coinsurance.
Now, let’s say you need another filling, which also costs $150. If you wait for treatment in January of the following year, you must pay the deductible again since it’s a new benefit period. However, if you had scheduled the filling in November, you would have avoided paying the deductible again since it’s in the same benefit period as the filling in April.
By scheduling all your dental appointments within the same year, you can maximize your dental insurance benefits and avoid paying deductibles multiple times for dental services. You can save significant money in the long run, especially if you need multiple dental treatments yearly.
In conclusion, deductibles are a factor when choosing a dental insurance plan. They can significantly affect your out-of-pocket expenses and the coverage you receive. Be sure to carefully review your dental insurance plan information to understand how your deductible works and how it will impact your dental treatment costs.
If you need dental insurance or have any inquiries regarding dental insurance coverage, please don’t hesitate to contact our office at 310-534-3444 during our office hours, Monday through Friday, from 8 AM to 4 PM. At CaliforniaDentalInsurance.com a knowledgeable team is here to assist you in finding the most suitable dental insurance plan to meet your specific dental care requirements. Whether you are seeking the best plan option or have questions about dental insurance, we are dedicated to providing you with the information and guidance you need to make informed decisions about your dental coverage.