{"id":17,"date":"2022-10-21T19:23:29","date_gmt":"2022-10-21T19:23:29","guid":{"rendered":"https:\/\/www.novasmiledental.com\/blog\/?p=17"},"modified":"2022-10-21T19:23:30","modified_gmt":"2022-10-21T19:23:30","slug":"dental-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.novasmiledental.com\/blog\/2022\/10\/21\/dental-insurance-coverage\/","title":{"rendered":"What Does Your Dental Insurance Plan Include?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.novasmiledental.com\/blog\/wp-content\/uploads\/2022\/10\/Dental_Insurance_6__1664407467_18520.jpg\" alt=\"Dental insurance form\" class=\"wp-image-18\" width=\"284\" height=\"213\" srcset=\"https:\/\/www.novasmiledental.com\/blog\/wp-content\/uploads\/2022\/10\/Dental_Insurance_6__1664407467_18520.jpg 800w, https:\/\/www.novasmiledental.com\/blog\/wp-content\/uploads\/2022\/10\/Dental_Insurance_6__1664407467_18520-300x225.jpg 300w, https:\/\/www.novasmiledental.com\/blog\/wp-content\/uploads\/2022\/10\/Dental_Insurance_6__1664407467_18520-768x576.jpg 768w\" sizes=\"auto, (max-width: 284px) 100vw, 284px\" \/><\/figure>\n<\/div>\n\n\n<p>Approximately 77 million Americans have dental benefits with most having private coverage through an employer or group program. Since dental insurance doesn\u2019t work the same way as a typical medical insurance plan, it isn\u2019t always the easiest thing to navigate. To fully maximize your coverage, it pays to know a little bit about your plan. Read on to learn about the most common types of insurance plans and what you can expect yours to include.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Why Types of Dental Insurance Plans Are Out There?<\/h2>\n\n\n\n<p>There are a few different types of dental plans out there. Here are some of the most common ones:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Dental Health Maintenance Organization (DHMO): <\/strong>With this insurance plan, your insurance provider will give you a list of dentists that will accept your plan for a set co-pay or no fee. However, you won\u2019t receive any coverage if you see a dentist that\u2019s not on this list of in-network dentists.<\/li><li><strong>Preferred Provider Organization (PPO):<\/strong> A PPO plan gives you the option to choose whatever dental provider that you like. You will still have a list of dentists who are in-network with your insurance plan, but you can choose one that is out-of-network as well. However, if you do this, you are more likely to end up with higher out-of-pocket costs.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">What Does Your Dental Insurance Plan Cover?<\/h2>\n\n\n\n<p>The most common dental insurance plans follow a 100-80-50 coverage structure. Typically, this means that they will cover the following dental treatments and procedures:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>100% of Preventive Care:<\/strong> This includes regular cleanings, checkups, routine X-rays, and more.<\/li><li><strong>80% of Basic Procedures:<\/strong> Basic procedures are fillings, gum disease treatment, and other non-invasive procedures.<\/li><li><strong>50% of Major Procedures: <\/strong>Things like root canal therapy, dental implants, crowns, and orthodontic treatment often fall into this category.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">5 Dental Insurance Terms You Should Know<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Coinsurance:<\/strong> If you have a fee-for-service plan, this will pay a predetermined percentage of the cost of your treatments and leave you responsible for paying the remaining amount. This part of your out-of-pocket cost is known as \u201ccoinsurance.\u201d<\/li><li><strong>Copayment:<\/strong> If you have a closed network, prepaid, fixed copayment plan, you will pay a set dollar amount for covered services instead of a percentage.<\/li><li><strong>Deductible:<\/strong> This is the amount that you pay every year out-of-pocket before your insurance begins to cover treatment costs. This doesn\u2019t usually apply to diagnostic and preventive treatments.<\/li><li><strong>Dual Coverage:<\/strong> For patients who have benefits from multiple plans, this is called \u201cdual coverage.\u201d However, the total amount paid cannot exceed 100% of dental expenses.<\/li><li><strong>Maximum:<\/strong> This is the most money that your plan will cover within one benefit period. The remaining costs will be left to you.<\/li><\/ul>\n\n\n\n<p>Now that the year is coming to an end, your unused benefits will not carry over to 2023. If you need dental treatment or it\u2019s been a while since your last checkup, there\u2019s no better time to <a href=\"https:\/\/www.novasmiledental.com\/contact.html\">schedule an appointment.<\/a> This way, you won\u2019t need to worry about your deductible until later on. Use your benefits before they disappear!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Author<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.novasmiledental.com\/meet-the-dentist.html\">Dr. Salari<\/a> is an experienced prosthodontist that has been working in the field for over a decade! She graduated from the Universit\u00e9 Libre de Bruxelles before pursuing a Prosthodontics residency in Europe. She has also completed a 3-year residency in the United States at Nova Southeastern University in Ft. Lauderdale, FL. To learn more about dental insurance or to schedule an appointment at her office in Annandale, visit her <a href=\"https:\/\/www.novasmiledental.com\/contact.html\">website<\/a> or call (703) 763-0800.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Approximately 77 million Americans have dental benefits with most having private coverage through an employer or group program. Since dental insurance doesn\u2019t work the same way as a typical medical insurance plan, it isn\u2019t always the easiest thing to navigate. To fully maximize your coverage, it pays to know a little bit about your plan. [&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-17","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dental Insurance Coverage, Annandale | Nova Smile Dental<\/title>\n<meta name=\"description\" content=\"Dental insurance isn\u2019t always the easiest topic to navigate. 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