You may have just graduated college and landed a job. That means that you may need to get dental insurance. Yes, it’s time for you to quickly become an adult. While some may say that you are young and will likely have good health, you should not forgo this, since dental emergencies can strike at nearly any age, especially if you do not care for your teeth. This is not solely for the college graduate crowd either – many different generations can find themselves in need of learning this.
One very important warning about these plans is that the vast majority of them will make you wait for some time, up to a year, before you can have any major work done. You need to plan accordingly if you are going to need something like dental implants – you won’t be able to immediately join and then have a procedure. This waiting period is built in to prevent people from doing that.
You will have to pay very close attention to one thing when it comes to these plans: deductibles. When you have a procedure done, it has to hit a certain threshold, otherwise you will have to pay for the entire thing. The insurance will start paying once the deductible has been met. So be wary if you see a high deductible and there’s no certainty that you will meet it within a year – you may wind up with a much lighter wallet. That’s not to say that once you do meet the deductible, the insurance will cover everything – they will pay a percentage of it, depending on the type of procedure that you’re having done.
When you go to a dentist, you may have to pay something called a co-payment upfront. This is similar to when you go to a doctor with your health insurance. The amount of the co-payment depends on the type of plan that you have. There are some instances where you don’t have to do the co-payment, with the dentist’s office just going ahead and billing the insurance. In that case, you will likely receive a bill from the dentist’s office for any payments due a few weeks later.
There’s often a cap on what an insurance company will pay over the course of a year. Once that limit has been reached, you will pay the full amount of anything else that is done. If you pay a high premium per month, that maximum limit is usually much higher than lower-costing policies.
The insurance companies also pay based on what type of procedure is done, ranging from basic check-ups to advanced procedures like dental implants .
If you are contemplating a cosmetic procedure, bear in mind that insurance companies will not pay for that, though braces can be an exception, but there’s often a lengthy waiting period.
There are some dentists who also offer financing plans for patients, so that they can break up the cost of certain procedures into monthly payments so that they don’t have to suffer a huge hit immediately and can pay it off over time.
Coastal Dental Group is always looking to expand its patient base. If you have any questions about insurance, you can contact them on their website or call them at 732-714-1030.