Dental insurance policies can have a lot of fine print. If you are new to your benefits, that can be even worse. You might find some words floating around in your policy’s terms that confuse you. Don’t worry. Most of the principles in dental insurance are fairly easy to understand. In this blog post, a Delta Dental insurance dentist in Williamstown will help you get started on mastering your benefits by discussing everything you need to know about deductibles.
What Is a Deductible?
Basically, a deductible is the amount of money you have to pay before your insurance policy kicks in to cover your services. For example, if your policy covers 80% of the cost of fillings and has a $100 deductible, you will have to pay $100 to your dentist. Your insurance will pay for 80% of the remaining cost of your treatment. You don’t have to worry about paying your deductible every time you visit your Cigna dental insurance dentist in Williamstown. In most cases, a deductible is a once-a-year expense that resets every January.
You Might Have a Family Deductible
If your dental insurance policy covers you and your immediate family members, you might have a family deductible as well as an individual one. Usually, family deductibles are higher than individual ones, but they count for everyone on the policy. For example, you might have an individual deductible of $50 but a family deductible of $100. After you and your spouse each pay your $50 deductible, you won’t have to pay any sort of deductible for your children.
Some Services Are Exempt from Deductibles
Every insurance policy is different, but it is common for them to cover basic preventive services without requiring you to pay a deductible. This means you might be able to enjoy your two cleanings and checkups each year while paying absolutely nothing out of pocket.
Some Services Might Have a Separate Deductible
If your dental insurance plan covers orthodontia, such as Invisalign and braces, these services might have a deductible that is separate from the one that applies to other treatments on your plan. Therefore, if you have already met your regular deductible and decide to get Invisalign, you may have to pay a second deductible before your policy starts to cover your orthodontic treatment.
Not All Insurance Plans Have a Deductible
There are a few different types of dental insurance plans. Typically, PPO policies have a deductible, while DHMO policies do not. Despite that, many people still prefer PPO coverage because it allows them to choose their own dentist, whereas DHMO policies only cover treatments performed by certain providers.
Dental insurance can be confusing at times, but your MetLife dental insurance dentist in Williamstown and their team are ready to help you navigate your policy. Give them a call today to find out how they can assist you.
Meet the Practice
iSmile Dental Arts in Williamstown is an insurance-friendly dental practice that features a knowledgeable team and provides top-quality care. Dr. Wael Kassem has well over a decade of experience in his field and is able to offer a broad range of services. If you would like to learn more about our practice and how we can help you take full advantage of your dental insurance, contact us at 856-818-9998.
