Four major myths about dental insurance. Sometimes, dental insurance can be complex to understand. There are policyholders who don’t know how to make the most of it because they rely on existing myths instead of trying to understand the contract. Here we present four myths about dental insurance.
- Myth number 1: Insurance will cover all dental procedures described in the plan, without limits.
That’s not the case. The plan will cover all procedures up to the annual maximum specified in the policy. Once the annual maximum limit is exceeded, the insurance will no longer cover any additional costs, and the patient will be responsible for paying for the treatments in full. Generally, dental insurance plans have an annual maximum coverage between $1,000 and $2,000.
- Myth number 2: Dental insurance will cover emergencies and unexpected major treatments.
Dental insurance adheres to the limits of the plan. If you require a very long and costly treatment, the plan will only cover up to the maximum indicated in the contract. Dental insurance is not designed to cover all the care you may need. It is created to take care of teeth, with an emphasis on preventive treatment, in addition to covering certain dental care costs. If you have an emergency after exhausting your annual coverage, unfortunately, you will have to pay for it out of pocket.
- Myth number 3: Postponing dental procedures when you reach the maximum annual coverage helps you save.
Since the benefits of dental plans reset each year, it is tempting to postpone the necessary care once you have exhausted the annual coverage to take advantage of the protection in the following year.
The reality is that when you postpone getting a cavity filled or replacing a crown, there is a greater risk of infection or additional damage. If a tooth cracks and is not promptly treated, it can lead to a fracture that may require a root canal and a crown to fix. This treatment ends up being more expensive than addressing the tooth immediately.
- Myth number 4: Unused plan benefits can be used the following year.
No, benefits do not accumulate from one year to the next. If you don’t use them in the current year, you lose them. Getting check-ups and dental cleanings twice a year is very advantageous since preventive care helps avoid costly treatments.
If you’re looking for affordable dental insurance, call Univista Insurance. Four major myths about dental insurance.