{"id":736,"date":"2020-10-13T22:50:00","date_gmt":"2020-10-13T22:50:00","guid":{"rendered":"https:\/\/www.mthollyfamilydentistry.com\/blog\/?p=736"},"modified":"2020-11-16T22:54:20","modified_gmt":"2020-11-16T22:54:20","slug":"5-tips-maximize-dental-insurance-benefits-mt-holly","status":"publish","type":"post","link":"https:\/\/www.mthollyfamilydentistry.com\/blog\/5-tips-maximize-dental-insurance-benefits-mt-holly\/","title":{"rendered":"5 Tips for Maximizing Your Dental Insurance Benefits"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.mthollyfamilydentistry.com\/blog\/wp-content\/uploads\/AdobeStock_215510866__1600804020_39327-300x200.jpg\" alt=\"Clipboard with paperwork on how to maximize dental insurance benefits\" class=\"wp-image-737\" srcset=\"https:\/\/www.mthollyfamilydentistry.com\/blog\/wp-content\/uploads\/AdobeStock_215510866__1600804020_39327-300x200.jpg 300w, https:\/\/www.mthollyfamilydentistry.com\/blog\/wp-content\/uploads\/AdobeStock_215510866__1600804020_39327-768x512.jpg 768w, https:\/\/www.mthollyfamilydentistry.com\/blog\/wp-content\/uploads\/AdobeStock_215510866__1600804020_39327.jpg 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n\n<p>You pay for your dental insurance every month and you know it\u2019s important, but are you making the most of your benefits? Many people don\u2019t fully understand how dental insurance works and as a result, end up avoiding, delaying, or overpaying for their dental care. Thankfully, understanding a few basic terms and concepts can help you save money while caring for your oral health! Read on as your Mt. Holly dentist shares the five best ways to <a href=\"https:\/\/www.mthollyfamilydentistry.com\/dental-insurance.html\">maximize dental insurance benefits.<\/a><\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">1.) Remember the 100-80-50 Rule<\/h2>\n\n\n\n<p>You\u2019ll have to look at the details of your specific dental insurance plan to know for sure which treatments it covers. However, most policies follow the 100-80-50 rule of coverage, which means they\u2019ll cover:<\/p>\n\n\n\n<ul><li><strong>90-100% of preventive care <\/strong>like checkups, cleanings, sealants, and fluoride treatments.<\/li><li><strong>70-80% of basic treatments <\/strong>such as filling, emergency care, and root scaling and planning.<\/li><li><strong>45-50% of major procedures <\/strong>including dental crowns, dentures, and bridges.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2.) Ask for a Pre-Determination of Benefits<\/h2>\n\n\n\n<p>The 100-80-50 rule will help you predict the cost of your treatment. However, before having any dental work that goes above and beyond a simple checkup, you should ask your dentist for a pre-determination of benefits. They\u2019ll send an estimate to your insurance company, who will process it and send it back with a statement that breaks down what your policy will cover. This will help you plan for your treatments and avoid any unpleasant surprises when it comes time to pay for them.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3.) Understanding Deductibles, Premiums, and Copays<\/h2>\n\n\n\n<p>There are several costs you\u2019ll be responsible paying for out of pocket, including:<\/p>\n\n\n\n<ul><li><strong>Deductible: <\/strong>Your deductible is how much you\u2019ll need to pay for your dental care before your insurance starts to cover the costs with your annual maximum.<\/li><li><strong>Premium: <\/strong>To keep your insurance active, you\u2019ll need to pay a premium. You\u2019ll pay this specific rate every month, quarter, or year depending on your plan.<\/li><li><strong>Copay: <\/strong>Each time you visit your dentist, you\u2019ll need to pay a preset copay before receiving a treatment when you check in for your appointment.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4.) Don\u2019t Let Your Annual Maximum Go to Waste<\/h2>\n\n\n\n<p>Once you\u2019ve paid your deductible, your dental insurance will begin covering the cost of your care using the 100-80-50 rule with your annual maximum. This is how much they\u2019re willing to pay for your dental work in a single period, usually one calendar year. Then, when the year ends, your deductible will be reset and whatever you haven\u2019t used of your annual maximum will expire. To make the most out of your benefits, make sure to use as much of your annual maximum up on the dental work you need before your plan renews. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5.) Take Advantage of Your Dental Checkups<\/h2>\n\n\n\n<p>Nearly every dental insurance plan covers the cost of two dental checkups and cleanings every year. These simple appointments are the best way to spot and stop oral health issues as early as possible, or hopefully prevent them from developing in the first place. Far too many people wait to visit their dentist until their teeth hurt, then need more expensive treatments that could have been avoided with a few simple checkups! &nbsp;<\/p>\n\n\n\n<p>Dental insurance can save you a lot of time and money while you care for your oral health, as long as you use it properly! Keep these five simple but important tips in mind to ensure you\u2019re maximizing your dental insurance coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Practice<\/h2>\n\n\n\n<p><em>At Mt. Holly Family Dentistry, we\u2019re proud to provide award-winning dentistry that\u2019s comfortable, effective, and personalized. Our team of dental experts is committed to respecting your time, staying current with the latest in dental technology, and providing you the high-quality care you deserve. We accept numerous dental insurances, and are happy to file and process claims on your behalf. To learn more about how dental insurance works, feel free to contact us via our <a href=\"https:\/\/www.mthollyfamilydentistry.com\/contact.html\">website<\/a> or at <strong>(609) 267-3230.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You pay for your dental insurance every month and you know it\u2019s important, but are you making the most of your benefits? Many people don\u2019t fully understand how dental insurance works and as a result, end up avoiding, delaying, or overpaying for their dental care. Thankfully, understanding a few basic terms and concepts can help [&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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Tips Maximizing Dental Insurance Mt. Holly | Mt. Holly Family Dentistry<\/title>\n<meta name=\"description\" content=\"Dental insurance is an investment in your oral health and quality of life. Your Mt. Holly shares the five best ways to maximize dental insurance benefits.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mthollyfamilydentistry.com\/blog\/5-tips-maximize-dental-insurance-benefits-mt-holly\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Tips Maximizing Dental Insurance Mt. Holly | Mt. Holly Family Dentistry\" \/>\n<meta property=\"og:description\" content=\"Dental insurance is an investment in your oral health and quality of life. Your Mt. 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