Dental insurance?
I am getting dental insurance through work soon, and I have never had to wage for insurance til now. So what is considered Preventive treatment? And what things would fall into essential treatments? Also what would be considered major treatments? My plan pays for a percantage of all of these. Also what is the deductible? I enjoy a $225 deductible and am trying to figure out what that is.
Answers:
Back to the details -- you need to check with the company the dental insurance is through - that's step #1. Preventative treatments include cleanings, x-rays - things to prevent through problems down the road. Major treatments would also have to be defined by the insurance company - an example would be a root canal, crown, bridge, etc (most of which I'm sure you don't involve if you're young and have taken polite care of your teeth). A $225 deductible means that the first $225 of any/all treatments (new lenient exams, x-rays, cleanings) would have to be paid by YOU -- after you've rewarded out $225 out of your own pocket then the insurance will kick within a certain percentage! Good luck!! Read carefully between the lines and if it sounds too accurate to be true - it usually is!
You should have a paper that tell you what the breakdown is from the company. Dental plans are not all the same. If you do not enjoy one ask your HR department for one.
Related Questions:
Answers:
Back to the details -- you need to check with the company the dental insurance is through - that's step #1. Preventative treatments include cleanings, x-rays - things to prevent through problems down the road. Major treatments would also have to be defined by the insurance company - an example would be a root canal, crown, bridge, etc (most of which I'm sure you don't involve if you're young and have taken polite care of your teeth). A $225 deductible means that the first $225 of any/all treatments (new lenient exams, x-rays, cleanings) would have to be paid by YOU -- after you've rewarded out $225 out of your own pocket then the insurance will kick within a certain percentage! Good luck!! Read carefully between the lines and if it sounds too accurate to be true - it usually is!
You should have a paper that tell you what the breakdown is from the company. Dental plans are not all the same. If you do not enjoy one ask your HR department for one.
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