Understanding Dental Insurance
Almost all dental insurance plans are a contract between your employer and an insurance company. Your employer and the insurer decide how much your plan will pay and which procedures are covered.
It’s important to remember: your dentist’s recommendations are based on what’s best for your health—not what the insurance company allows.
Key Facts About Dental Insurance
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Fact 1: Use It or Lose It
Most dental insurance benefits reset every year on December 31st. If you don’t use your benefits before then, they expire—so staying on top of preventive visits can save you money.
Fact 2: Delaying Can Cost More
Waiting for coverage or “saving” benefits often leads to bigger problems (and bigger bills). Timely care prevents small issues from becoming major ones.
Fact 3: Annual Maximums, Not Deductibles
Unlike medical insurance, dental plans usually have an annual maximum. Once you hit that limit, you’ll pay out of pocket for the rest of the year.
Fact 4: Limited Coverage for Some Services
Insurance may not fully cover cosmetic procedures (like whitening) and may limit how often you get X-rays or cleanings. Always check the fine print.
Fact 5: “Least Expensive Alternative” Rule
Insurance often pays for the cheaper option (like silver fillings) even if your dentist recommends a stronger, more natural-looking alternative. We always recommend what’s best for your health—not just what’s cheapest.
Fact 6: Insurance Doesn’t Decide Your Care
Your coverage is set by your employer and the insurance company—not by your dentist. Our job is to focus on your health and comfort, while helping you make the most of your benefits.
Bottom line: Dental insurance is designed to help with basic care, but it won’t always cover everything you need. Our team will review your plan, explain your options, and work with you to make your treatment affordable.
