{"id":168,"date":"2019-11-12T15:09:11","date_gmt":"2019-11-12T15:09:11","guid":{"rendered":"https:\/\/www.jldentalstl.com\/blog\/?p=168"},"modified":"2019-12-12T15:12:40","modified_gmt":"2019-12-12T15:12:40","slug":"dentist-in-arnold-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.jldentalstl.com\/blog\/2019\/11\/12\/dentist-in-arnold-dental-insurance\/","title":{"rendered":"4 Terms You Need to Know To Maximize Your Dental Insurance Benefits"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.jldentalstl.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_302171428__1576163496_36381-300x200.jpg\" alt=\"stack of savings with the numbers &quot;2020&quot; sitting on top\" class=\"wp-image-169\" srcset=\"https:\/\/www.jldentalstl.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_302171428__1576163496_36381-300x200.jpg 300w, https:\/\/www.jldentalstl.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_302171428__1576163496_36381-768x512.jpg 768w, https:\/\/www.jldentalstl.com\/blog\/wp-content\/uploads\/2019\/12\/AdobeStock_302171428__1576163496_36381.jpg 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n\n<p>Did you know that at the beginning of every year, your dental insurance policy resets? When this happens, any benefits that you haven\u2019t used will fall back into the pockets of your <a href=\"https:\/\/www.jldentalstl.com\/dental-insurance.html\">dental insurance<\/a> company instead of being used to optimize your oral health. If the thought of navigating the basics of your plan makes you stressed out, your dentist in Arnold highlights four terms you should know to maximize your benefits below.    <\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Annual Deductible<\/h2>\n\n\n\n<p>Each year, your dental insurance provider will set a deductible,\nwhich is a set amount of fees that you\u2019ll be required to pay out of your own\npocket before your benefits will begin covering the cost of your visits. The\naverage deductible is $50, but once it has been paid, you won\u2019t have to cover\nthe cost again until your policy restarts on January 1<sup>st<\/sup>. To get the\nmost out of your deductible, don\u2019t let it go to waste by getting all of the\ntreatments you need before the beginning of the year rolls around. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">100-80-50<\/h2>\n\n\n\n<p>Most dental insurance providers operate under a 100-80-50\nstructure. All this means is that they cover 100 percent of preventive dental\ncare, 80 percent of basic treatments such as cavity fillings, and 50 percent of\nmajor procedures such as root canal therapy. When you get oral health problems\ntaken care of while they don\u2019t require extensive or invasive procedures, you\u2019ll\nbe able to save yourself from the burden of steep out-of-pocket costs. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Preventive Dental Care<\/h2>\n\n\n\n<p>Your dental insurance plan most likely covers the cost of\ntwo checkups and cleanings in a 12-month span of time. That\u2019s because your\ninsurance provider wants to encourage you to be proactive about your dental\nhealth and avoid serious issues such as tooth infections and severe cavities. Also,\nby visiting your dentist regularly, you\u2019ll be increasing your chances of\ndiagnosing and treating issues early, before they have a chance to impact your\noverall wellbeing. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Yearly Maximum<\/h2>\n\n\n\n<p>Each year, your dental insurance provider will set a capped\namount that they will cover for your treatments and procedures, called a\nmaximum. The average maximum is anywhere from $1,000 to $1,500 depending on\nyour unique plan, so it\u2019s best to contact your provider directly to find out.\nBecause your insurance policy restarts on January 1st, any unused maximum will\nbe pocketed by your provider instead of being used to optimize your oral\nhealth. That\u2019s why to get the most out of your benefits, it\u2019s best to either\nmeet or exceed this annual amount before the year is over.<\/p>\n\n\n\n<p>If you have any questions about how your dental insurance\npolicy works, a great place to start is to contact your dentist\u2019s office an ask\nthem if they can help you navigate your plan and coverage. With the right team\nby your side, learning about this complicated topic can be easier than ever.\nThey can also provide you with tips and tricks to maximize your benefits! <\/p>\n\n\n\n<p><strong>About the Author<\/strong><\/p>\n\n\n\n<p>Dr. Laura Mears has been working in dentistry for 14 years.\nShe has completed advanced training in a variety of dental topics, including\ncosmetic dentistry, dental implants, endodontics, oral surgery, and many more.\nThis allows her to provide each of her patients with the high-quality\ncomprehensive dental care that they deserve. She is also an in-network provider\nwith a most major insurance plans. For questions or to schedule a routine\ncheckup and cleaning before your benefits restart on January 1<sup>st<\/sup>,\nvisit JL Dental\u2019s <a href=\"https:\/\/www.jldentalstl.com\/contact-us.html\">website<\/a>\nor call 636-464-6668.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Did you know that at the beginning of every year, your dental insurance policy resets? When this happens, any benefits that you haven\u2019t used will fall back into the pockets of your dental insurance company instead of being used to optimize your oral health. If the thought of navigating the basics of your plan makes [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dentist in Arnold | Maximizing Your Dental Insurance | Annual Deductible<\/title>\n<meta name=\"description\" content=\"Did you know that your dental insurance expires on January 1st? 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