Do you have dental insurance through your employer but have a hard time understanding what your plan covers and how you can use it? Our staff can help you navigate through this sometimes confusing world and find out exactly how your benefits work. We highly recommend that you take a look at your policy in advance and talk to your insurer before you make an appointment. Though we can help you understand your policy, there are some things you'll want to look for before meeting with Dr. Tran.
Start with a look at when your benefit period starts and stops. Benefit period is a term that insurance companies use when describing the terms of a plan. The state date tells you when you period starts, but your policy paperwork should include an end date too. If you recently quit or lost your job, your benefit period will end sooner than what your paperwork shows. As long as you are still within your benefit period, you can make an appointment with our office. Make sure that you bring your insurance card with you and arrive early to fill out new patient forms.
Many people think that dental insurance covers all treatments, but many policies have some exclusions that you should check out before making an appointment for a later date. Dental insurance plans typically have a maximum benefit limit, which is the total amount that the insurer will pay out over the course of a calendar year. If you receive treatments that go above this amount, you will pay for those appointments out of your own pocket. Most policies also include language that states the insurer will only pay up to a certain percentage. This is there to keep people from getting money back from their insurers.
Even if you work in the same office with other people, there is no guarantee that you will all have the same coverage. A coworker may come in and let you know that he or she just got a dental implant that the plan covered. When you meet with the dentist, you may find that your policy doesn't cover implants. This often occurs when plans change. Older employees and those who were there longer often have more coverage or benefits than those who just started.
Before making an appointment with Dr. Tran, check your policy to see if our office is in your network. Most dental insurers have networks that limit who you can see. While we can make an appointment and even give you a checkup, we may not know if we are in your network until your first appointment. If we are not in your network, the insurer will hold you responsible for any of the bills that you accumulate. We accept a number of different insurance plans. If you have any questions about your coverage or want to make an appointment, call our office today and speak with us.