{"id":414,"date":"2020-09-24T22:15:33","date_gmt":"2020-09-24T22:15:33","guid":{"rendered":"https:\/\/www.licdentalassociates.com\/blog\/?p=414"},"modified":"2021-10-14T20:19:42","modified_gmt":"2021-10-14T20:19:42","slug":"tips-for-understanding-your-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.licdentalassociates.com\/blog\/2020\/09\/24\/tips-for-understanding-your-dental-insurance\/","title":{"rendered":"3 Helpful Tips for Understanding Your Dental Insurance"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.licdentalassociates.com\/blog\/wp-content\/uploads\/2020\/09\/Graph-of-paperwork-tooth-and-calculator-1024x768.jpeg\" alt=\"Graph of paperwork, tooth, and calculator\" class=\"wp-image-415\" width=\"306\" height=\"230\" srcset=\"https:\/\/www.licdentalassociates.com\/blog\/wp-content\/uploads\/2020\/09\/Graph-of-paperwork-tooth-and-calculator-1024x768.jpeg 1024w, https:\/\/www.licdentalassociates.com\/blog\/wp-content\/uploads\/2020\/09\/Graph-of-paperwork-tooth-and-calculator-300x225.jpeg 300w, https:\/\/www.licdentalassociates.com\/blog\/wp-content\/uploads\/2020\/09\/Graph-of-paperwork-tooth-and-calculator-768x576.jpeg 768w, https:\/\/www.licdentalassociates.com\/blog\/wp-content\/uploads\/2020\/09\/Graph-of-paperwork-tooth-and-calculator-1536x1152.jpeg 1536w, https:\/\/www.licdentalassociates.com\/blog\/wp-content\/uploads\/2020\/09\/Graph-of-paperwork-tooth-and-calculator-2048x1536.jpeg 2048w\" sizes=\"(max-width: 306px) 100vw, 306px\" \/><\/figure><\/div>\n\n\n\n<p>Your biannual visits to the dentist play a crucial role in your\noral health. However, the examination alone can range between $50 and $300, and\nthat doesn\u2019t include the cleaning, fluoride treatment, or X-rays. So, those\nroutine visits can quickly add up. Fortunately, that\u2019s where dental insurance\ncomes in! To help you understand your coverage, a <a href=\"https:\/\/www.licdentalassociates.com\/new-patients.html\">dentist in Long\nIsland City<\/a> is sharing three tips!<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">#1. Learn Common Terminology <\/h2>\n\n\n\n<ul><li><strong>Benefit period<\/strong> \u2013 Essentially,\nyour benefit period is the length of time between your \u201ceffective date\u201d and \u201cend\ndate.\u201d If you do not renew your plan before your end date, then you will no\nlonger have coverage.<\/li><li><strong>Deductible<\/strong> \u2013 Like your auto insurance, most\ndental plans have a deductible, which is the amount you pay out of pocket\nbefore your insurance company pays for any treatment. Typically, preventive services,\nlike checkups and cleanings, do not have one.<\/li><li><strong>Maximum <\/strong>\u2013 Your coverage will outline both an\nannual and lifetime maximum. This refers to the amount your dental insurance\ncompany will pay during your benefit period and the dollar amount they will\never pay.<\/li><li><strong>Waiting period <\/strong>\u2013 Some plans\nhave a waiting period for certain treatments, which delays coverage on certain\nservices until a specific date. For example, if you have a three month waiting\nperiod for root canals, then your coverage for that procedure won\u2019t kick in\nuntil three months after your effective date.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">#2. Understand \u201c100-80-50\u201d Coverage<\/h2>\n\n\n\n<p>Since dental insurance is centered around preventive\ncare, you may see the sequence \u201c100-80-50\u201d written across your paperwork\nrepeatedly. This simply refers to the coverage you have based on the three\ncommon services patients receive. 100% of preventive care is covered, 80% of\nbasic procedures, and 50% of major treatments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">#3. Get\nFamiliar with Your Plan<\/h2>\n\n\n\n<p>Biannual visits are fairly easy to plan for, but painful\ntoothaches and dental injuries can happen at a moment\u2019s notice. To save\nyourself the headache (and help you quickly get the treatment you need!), take\nthe time to get familiar with your plan beforehand. If you run into unfamiliar\njargon or are unsure what services are covered on your plan, don\u2019t hesitate to\ntalk to your provider or your dental team. They both deal with dental insurance\non a daily basis and are happy to help you understand your coverage.<\/p>\n\n\n\n<p>Deciphering the unfamiliar jargon on your dental insurance can be\noverwhelming. Fortunately, you can use the above tips to thoroughly understand\nyour coverage!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the\nAuthor<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.licdentalassociates.com\/dr-saran-general-cosmetic-dentistry.html\">Dr.\nIshwinder Saran<\/a> completed his Doctor of Dental Medicine at one of the\ntop dental schools in the nation, Boston University Goldman School of Dental\nMedicine. Since then, he has helped his patients achieve pristine oral health,\ncompleted advanced training at Spear Education, and maintained an active\nmembership at reputable organizations like the American Dental Association. If\nyou are looking for a dentist in Long Island City, don\u2019t hesitate to visit his <a href=\"https:\/\/www.licdentalassociates.com\/contact-us.html\">website<\/a>\nor give him a call at <strong>718-530-6539<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your biannual visits to the dentist play a crucial role in your oral health. However, the examination alone can range between $50 and $300, and that doesn\u2019t include the cleaning, fluoride treatment, or X-rays. So, those routine visits can quickly add up. Fortunately, that\u2019s where dental insurance comes in! To help you understand your coverage, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/posts\/414"}],"collection":[{"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/comments?post=414"}],"version-history":[{"count":2,"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/posts\/414\/revisions"}],"predecessor-version":[{"id":417,"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/posts\/414\/revisions\/417"}],"wp:attachment":[{"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/media?parent=414"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/categories?post=414"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.licdentalassociates.com\/blog\/wp-json\/wp\/v2\/tags?post=414"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}