{"id":185,"date":"2019-10-12T17:15:06","date_gmt":"2019-10-12T17:15:06","guid":{"rendered":"https:\/\/www.oaktondentistrybydesign.com\/blog\/?p=185"},"modified":"2019-11-12T17:17:58","modified_gmt":"2019-11-12T17:17:58","slug":"5-ways-to-get-the-most-out-of-your-dental-plan","status":"publish","type":"post","link":"https:\/\/www.oaktondentistrybydesign.com\/blog\/2019\/10\/5-ways-to-get-the-most-out-of-your-dental-plan\/","title":{"rendered":"5 Ways to Get The Most Out of Your Dental Plan"},"content":{"rendered":"<a href=\"https:\/\/www.oaktondentistrybydesign.com\/blog\/wp-content\/uploads\/2019\/11\/AdobeStock_226051436__1___1573579027_35901.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-186\" src=\"https:\/\/www.oaktondentistrybydesign.com\/blog\/wp-content\/uploads\/2019\/11\/AdobeStock_226051436__1___1573579027_35901-300x200.jpg\" alt=\"dental tools sitting on a pile of money\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.oaktondentistrybydesign.com\/blog\/wp-content\/uploads\/2019\/11\/AdobeStock_226051436__1___1573579027_35901-300x200.jpg 300w, https:\/\/www.oaktondentistrybydesign.com\/blog\/wp-content\/uploads\/2019\/11\/AdobeStock_226051436__1___1573579027_35901-768x512.jpg 768w, https:\/\/www.oaktondentistrybydesign.com\/blog\/wp-content\/uploads\/2019\/11\/AdobeStock_226051436__1___1573579027_35901.jpg 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>Many people don\u2019t realize that at the beginning of the new year, on January 1<sup>st<\/sup>, their dental insurance will renew. This means that any annual fees will reset and unused benefits will be lost. Many patients avoid dealing with their dental insurance at all cost because they feel that it\u2019s complicated to understand. However, with the right dentist by your side, you\u2019ll be able to maximize your benefits, maintain your oral health, and save yourself from out-of-pocket costs. Here are 5 ways to get the most out of your dental plan before it restarts.<!--more-->\r\n<h2>Choose the Right Plan For Your Needs<\/h2>\r\nBefore your <a href=\"https:\/\/www.oaktondentistrybydesign.com\/new-patients.html\">insurance plan<\/a> renews, it\u2019s time to determine whether there\u2019s another option out there that\u2019s better for you. There are two main types of dental plans called HMOs and PPOs:\r\n<ul>\r\n \t<li><strong>PPOs<\/strong> usually require you to pay a deductible or fees to your dentist before your benefits kick in, which are usually 50 dollars or under. These plans also have annual maximums, which is a capped amount of money that your insurance will pay for your dental treatments every year, typically 1,250 dollars. These plans also include fully covered preventive services such as two checkups and cleanings during the year.<\/li>\r\n \t<li><strong>HMOs <\/strong>are different in a lot of ways. The premiums are lower and you most likely won\u2019t have to worry about deductibles or annual maximums. Instead, you\u2019ll pay fixed copayments for each of your treatments.<\/li>\r\n<\/ul>\r\nWhile most dentists participate in PPOs, patients\u2019 choices of dentists are usually smaller if they have an HMO plan. A good way to consider what choice is the best for you is to understand what kind of coverage you need, assess your budget, and consider whether other family members will join you on your plan.\r\n<h2>Stay With Providers Who Are In-Network<\/h2>\r\nYou can save yourself from hefty out-of-pocket costs if you see in-network providers. To find out whether a dentist accepts your insurance and is in your network, you can either call their practice or visit your insurance provider\u2019s website and use their provider database.\r\n<h2>Keep Up With Preventive Dental Care<\/h2>\r\nHMO plans have a model of 100-80-50. This means that they pay for 100 percent of preventive care, 80 percent of basic treatments like fillings, and 50 percent of major services such as root canal therapy. That means that you can save yourself from having to pay for invasive surgeries and procedures if you remain proactive about your oral health and get problems treated while they\u2019re small.\r\n<h2>Shop Around For Treatments and Procedures<\/h2>\r\nPrices for dental treatments can vary drastically depending on the region you\u2019re in. Even though your insurance will cover most of your treatment, if you need additional work done, you\u2019ll want to make sure you won\u2019t exceed your annual maximum. If you do, you\u2019ll have to pay the remaining amount out of your own pocket.\r\n<h2>Don\u2019t Wait to Treat Oral Health Problems<\/h2>\r\nOral health problems don\u2019t disappear by themselves, as much as everyone wishes that was the case. The longer you leave an issue untreated, the more costly and invasive treatment you\u2019ll need, and the less of the cost will be covered by your insurance. When you get them taken care of right away, you\u2019ll be able to avoid oral pain and preserve your monthly budget.\r\n\r\nFollowing these five tips to get the most out of your dental insurance before it expires on January 1<sup>st<\/sup> will save you massive amounts of stress and money. When you have a dentist you trust by your side, they can help you learn what\u2019s covered by your provider and how you can get the most out of your plan.\r\n\r\n<strong>About the Author<\/strong>\r\n\r\nDr. Pasquale Giordano is dedicated to giving his patients every tool and resource they need to maintain great oral health throughout their lives. He believes that patients shouldn\u2019t feel overwhelmed or stressed when it comes to dealing with their dental insurance, which is why his team offers to answer any questions or concerns about their coverage. He also happily partners with additional financers like CareCredit to offer patients low or no interest payment plans. For questions or to schedule a routine checkup and cleaning before your benefits expire, visit Oakton Dentistry by Design\u2019s <a href=\"https:\/\/www.oaktondentistrybydesign.com\/contact-us.html\">website<\/a> or call 703-938-4300.","protected":false},"excerpt":{"rendered":"Many people don\u2019t realize that at the beginning of the new year, on January 1st, their dental insurance will renew. This means that any annual fees will reset and unused benefits will be lost. Many patients avoid dealing with their dental insurance at all cost because they feel that it\u2019s complicated to understand. However, with the right dentist by your side, you\u2019ll be able to maximize your benefits, maintain your oral health, and save yourself from out-of-pocket costs. Here are 5 ways to get the most out of your dental plan before it restarts. <a class=\"read-more\" href=\"https:\/\/www.oaktondentistrybydesign.com\/blog\/2019\/10\/5-ways-to-get-the-most-out-of-your-dental-plan\/\">(Read More)<\/a>","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-185","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 Ways to Get the Most Out of Your Dental Plan | Dental Insurance<\/title>\n<meta name=\"description\" content=\"Investing in dental insurance is worth it, as long as you know how to maximize your benefits. 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