Dental benefit plans help you pay for certain kinds of dental care. Your dental care decisions should take into account more than just what is covered. On average most dental plans offer a maximum benefit of $1,000 per year (This is the same average amount of dental benefit provided 20 years ago) No insurance plan is “pay-all”. It is only designed to AID in payment. Also keep in mind that dental insurance is not cumulative, so what you don’t use in a year is gone and cannot be applied to the following year.
Your dental plan will not cover certain procedures, or some preventative treatments such as sealants for adults which can save your tooth from a filling and money later. This does not mean these treatments are unnecessary.Your dentist can help you decide what type of treatment is best for you. Ask questions. Be a partner in your own dental health.
Now, you may be thinking that most people don’t come out ahead with most kinds of insurance, and you may be right. After all, if insurance companies didn’t make a profit, they would all go out of business. The goal of providing quality dentistry can be achieved by not allowing insurance companies dictate your treatment because of plan benefits. We must remain insurance aware, not insurance driven.