Dental Insurance in Houston | Dr. Dassani
Posted on November 13th, 2017
At Dassani Dentistry, we 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. Dassani wants every Houston 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
Dental insurance is an excellent investment that helps Houston 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 Dassani Dentistry.
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. Dassani is included in your provider network, please call Dassani Dentistry 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 into categories varies according to each insurance carrier, but most 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?
- Premiums – These are the basic yearly or monthly cost of your dental insurance. Premiums do not include copayments or deductibles.
- Copayments — Per visit payments of a flat rate or a percentage of the total appointment cost.
- Deductibles — For each plan, there is an annual amount that you must pay before the insurance will cover expenses. After your deductible is met, your insurance plan will cover a percentage of the cost of your dental care.
- Plan maximums — Most plans include a maximum dollar amount that will be paid for your dental expenses. You are financially responsible for any amount exceeding your plan maximum.
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 directly or give Dassani Dentistry a call. We are always happy to answer any questions that help keep Houston smiles beautiful and healthy!
Sources
http://www.humanadental.com/tools/faqs.asp
http://www.bankrate.com/finance/insurance/dental-insurance-1.aspx
http://www.ehealthinsurance.com/content/health/Dental-Insurance-FAQ.shtml
About Meghna Dassani, DMD
Dr. Meghna Dassani received her initial dental training from the University of Mumbai, India, where she graduated in 1996 as Bachelor of Dental Surgery (BDS). After working as an associate for one year, she established her own practice in Mumbai, India. She successfully operated this practice for six years prior to moving to the US. When Dr. Meghna Dassani is not in the office she is at home being a mommy to her 2 beautiful girls and enjoying time relaxing with her husband. Since opening her own practice in 2011 she doesn’t have a lot of free time but when the time allows she enjoys traveling, reading, gardening, cooking, visiting with friends and family and of course SHOPPING with a Starbucks in her hand!
