We at Jackson Center for Smiles understand that dental insurance can be a tricky thing to navigate. Evaluating dental plans and considering deductibles, benefits, which treatments are covered, and the mountain of other information insurance companies provide can be a headache in and of itself. Dr. Jim Ed Watson wants every Jackson resident to have the power to control their own health, so here’s a simplified guide to the basics of dental health insurance. As always, if you have a question, don’t be afraid to give us a call!
Dental insurance is an excellent investment that helps Jackson residents ensure a lifetime of healthy smiles. However, in order to get the best value from your dental insurance, there are a few things you need to know. Here are the answers to the most common questions we hear at Jackson Center for Smiles:
What is dental insurance?
Having dental insurance means that an insurance provider will pay for a percentage of the dental care that you need every year. Plans vary in terms of how much they cost, how much they cover, and which dentists are included. If you would like to know if Dr. Jim Ed Watson is included in your provider network, please call Jackson Center for Smiles today.
What do dental insurance plans cover?
Insurance carriers cover dental procedures in three fundamental categories: preventative (examinations, routine cleanings, x-rays etc.) basic/restorative (cavity fillings, tooth extractions, etc.), and major (crowns, bridges, surgical extractions, dental implants, etc.). The classification of procedures varies according to each insurance company, but the majority of dental insurance plans have “100-80-50” coverage, which means routine cleanings, checkups and diagnostic care are paid for in full, 80 percent of the cost of fillings, root canals, and other basic procedures are covered, and 50 percent of the cost of dental implants and other major procedures are covered. Cosmetic dental procedures, such as whitening treatments are not usually covered.
What are premiums, copayments, deductibles, and maximums?
When do benefits renew?
Benefits are usually calculated yearly and renew on the 1st of January. It is important to know that unused coverage does not carry over to the next year.
If you have specific questions about your dental insurance you can contact your insurance provider or give Jackson Center for Smiles a call. We are always happy to answer any questions that help keep Jackson smiles beautiful and healthy!