Dental treatment is as necessary as any other medical treatment. Although medical insurance doesn’t cover dental procedures, there are many insurance policies designed to cater to dental therapies across the United States. The cost of maintaining a pleasant smile is now easily affordable with dental insurance policies. In Austin, TX; there are many dental insurance policies up for the grab. Unlike complex medical insurance policies, dental insurance policies are simple and quite specific about the procedures covered under each dental insurance policy.
Nowadays, you can also opt for medical insurance plans combined with dental insurance plans or go for a standalone policy for dental insurance.
How to Get a Dental Insurance Policy in Austin, TX?
Insurance companies offering dental insurance add a clause where the insurer must wait six to 12 months before any standard dental treatment. Depending on the insurance provider, the waiting period can be as long as two years. Such waiting periods are mandated by the insurance companies to eliminate any loss of a new client who is applying for dental insurance to cover the future treatments.
What are Deductibles, Co-Pays, and Co-Insurance?
To avail the benefits of any health or dental insurance, you must learn about deductibles, co-pays, and co-insurance. A deductible is a minimum amount set by the insurance provider based on your plan where the insurance company will start paying for the expenses once the overall cost of the treatment throughout the year reaches the deductible threshold. For example, if the deductible is $200, then you may have to pay all the expenses of your treatment until the total bill amount reaches $200. Post $200, the insurance provider will kick in a share the costs on an 80-20% basis.
Co-pay is a set amount that you may have to pay during the procedure. The co-pay is basically for doctor visits, prescription drugs, etc. Co-insurance is the part payment paid by the patient after the total bill crosses the deductible limit for the year.
Categorization of Dental Insurance Coverage
Dental treatments are often categorized into three sections: preventive, basic, and major. While dental insurance plan covers 100% of preventive care treatments, the out-of-the-pocket expenses of the patient during basic procedures are determined by deductibles, co-pays, and co-insurance. Many dental insurance policies take care of the 70% to 80% of the expenses while the patient bears the remaining.
For major dental procedures such as crowning, a high co-payment is set by the insurance provider. Each policy varies as they categorize preventive, basic, and major procedures differently. Hence, it is essential to compare and research thoroughly before investing in a dental insurance policy in Austin, TX.
Visit Austin Dental Care today, and our team of Austin Dentists will guide you through different dental insurance options.