{"id":312,"date":"2020-11-03T21:58:00","date_gmt":"2020-11-03T21:58:00","guid":{"rendered":"https:\/\/www.centerdds.com\/blog\/?p=312"},"modified":"2020-11-25T21:58:10","modified_gmt":"2020-11-25T21:58:10","slug":"dentist-in-center-explains-what-your-dental-insurance-plan-covers","status":"publish","type":"post","link":"https:\/\/www.centerdds.com\/blog\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\/","title":{"rendered":"What Does Your Dental Insurance Plan Cover?"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.centerdds.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_167875584__1605526852_94094-300x200.jpg\" alt=\"dentist in Center explaining dental insurance to two patients \" class=\"wp-image-313\" srcset=\"https:\/\/www.centerdds.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_167875584__1605526852_94094-300x200.jpg 300w, https:\/\/www.centerdds.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_167875584__1605526852_94094-768x512.jpg 768w, https:\/\/www.centerdds.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_167875584__1605526852_94094.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n\n<p>More than half of Americans currently have some sort of <a href=\"https:\/\/www.centerdds.com\/financing.html\">dental insurance<\/a>. However, many people aren\u2019t entirely aware of the ins and outs of their plan. As a result, they may not end up getting the care they need, or they might accidentally pay too much for it. To make the most of your dental insurance, it\u2019s important to understand a few basics. Continue reading as a dentist in Center explains some basic dental insurance terms and what services you can expect to be covered.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Basic Dental Insurance Terms<\/h2>\n\n\n\n<p>All of the technical-sounding language that your dental insurance company uses can be overwhelming when you don\u2019t exactly know what it means. Here are a few important terms you should know to make it easier to understand your policy:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Deductible<\/strong>: What you must pay out-of-pocket before your insurance coverage kicks in.<\/li><li><strong>Annual maximum<\/strong>: The highest amount your insurance company will pay for your care in a given period (typically a calendar year).<\/li><li><strong>Premium<\/strong>: The amount you pay the insurance company every month to qualify for benefits.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The 100-80-50 Rule<\/h2>\n\n\n\n<p>While every insurance plan is different, most of them follow a 100-80-50 rule when it comes to which services are covered. You can generally expect your coverage to look something like this:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Preventive and diagnostic care<\/strong>, like checkups, cleanings, and oral cancer screenings, are usually covered at 80%-100%.<\/li><li><strong>Basic treatments<\/strong>, including fillings and gum disease therapy, are often up to 70%-80% covered.<\/li><li><strong>Major procedures<\/strong>, such as root canals and dental crowns, are ordinarily only covered up to 50%.<\/li><\/ul>\n\n\n\n<p>Services may fall under different categories with different plans. To understand your full list of which services are covered and to what extent, you\u2019ll have to talk to a representative from your insurance company or a member of your dental team.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Make the Most of Your Dental Insurance<\/h2>\n\n\n\n<p>Multiple studies have indicated that the vast majority of Americans with dental insurance leave almost $1,000 worth of benefits unused at the end of their coverage period. More often than not, any benefits you haven\u2019t used yet will <em>not<\/em> carry over into the next year. To prevent your annual maximum and your premiums from going to waste, schedule any dental work you need before the year ends. Plus, regular preventive care that\u2019s covered by your insurance can help you avoid larger dental bills in the future. Two routine <a href=\"https:\/\/www.centerdds.com\/dental-checkups-and-cleanings.html\">checkups and cleanings<\/a> a year lets your dentist catch small problems before they require more invasive and expensive treatment.<\/p>\n\n\n\n<p>These simple basics should be enough to help you get the most of your dental insurance. If you still have questions, though, a member of your dentist\u2019s team should be more than happy to help.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Practice<\/h2>\n\n\n\n<p>At Family Dental Center of East Texas, our dentists prioritize preventive care to keep your smile healthy in the long run.&nbsp;<a href=\"https:\/\/www.centerdds.com\/meet-dr-youngblood.html\">Dr. Thomas Youngblood<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.centerdds.com\/meet-dr-martinez.html\">Dr. Mireya Martinez&nbsp;<\/a>are both active members of the American Dental Association and the Texas Dental Association. Our practice will file claims for the vast majority of dental insurance plans. To learn more about what your dental insurance covers,&nbsp;<a href=\"https:\/\/www.centerdds.com\/contact-us.html\">contact us<\/a>&nbsp;at (936) 427-9070.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>More than half of Americans currently have some sort of dental insurance. However, many people aren\u2019t entirely aware of the ins and outs of their plan. As a result, they may not end up getting the care they need, or they might accidentally pay too much for it. To make the most of your dental [&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":[],"class_list":["post-312","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dentist in Center | What Does Your Dental Insurance Plan Cover<\/title>\n<meta name=\"description\" content=\"Do you have dental insurance? Do you know what services your plan covers? A dentist in Center explains what kind of coverage you can expect.\" \/>\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.centerdds.com\/blog\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dentist in Center | What Does Your Dental Insurance Plan Cover\" \/>\n<meta property=\"og:description\" content=\"Do you have dental insurance? Do you know what services your plan covers? A dentist in Center explains what kind of coverage you can expect.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.centerdds.com\/blog\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\/\" \/>\n<meta property=\"og:site_name\" content=\"Family Dental Center of East Texas Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-03T21:58:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-25T21:58:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.centerdds.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_167875584__1605526852_94094-300x200.jpg\" \/>\n<meta name=\"author\" content=\"dryoungblood\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"dryoungblood\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\\\/\"},\"author\":{\"name\":\"dryoungblood\",\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/#\\\/schema\\\/person\\\/2c194912c909142e52308c40c10e0a42\"},\"headline\":\"What Does Your Dental Insurance Plan Cover?\",\"datePublished\":\"2020-11-03T21:58:00+00:00\",\"dateModified\":\"2020-11-25T21:58:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\\\/\"},\"wordCount\":539,\"image\":{\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/AdobeStock_167875584__1605526852_94094-300x200.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\\\/\",\"url\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\\\/\",\"name\":\"Dentist in Center | What Does Your Dental Insurance Plan Cover\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/dentist-in-center-explains-what-your-dental-insurance-plan-covers\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/AdobeStock_167875584__1605526852_94094-300x200.jpg\",\"datePublished\":\"2020-11-03T21:58:00+00:00\",\"dateModified\":\"2020-11-25T21:58:10+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.centerdds.com\\\/blog\\\/#\\\/schema\\\/person\\\/2c194912c909142e52308c40c10e0a42\"},\"description\":\"Do you have dental insurance? 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