{"id":88,"date":"2020-12-05T22:30:13","date_gmt":"2020-12-05T22:30:13","guid":{"rendered":"https:\/\/www.dailysmilesdental.com\/blog\/?p=88"},"modified":"2025-08-01T16:42:55","modified_gmt":"2025-08-01T16:42:55","slug":"4-dental-insurance-questions-to-ask","status":"publish","type":"post","link":"https:\/\/www.dailysmilesdental.com\/blog\/2020\/12\/05\/4-dental-insurance-questions-to-ask\/","title":{"rendered":"4 Questions to Ask to Help You Understand Your Dental Insurance Better"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.dailysmilesdental.com\/blog\/wp-content\/uploads\/2020\/12\/AdobeStock_226051436__6___1607206753_50329-300x200.jpg\" alt=\"a stack of money with dental tools sitting on top of it \" class=\"wp-image-89\" srcset=\"https:\/\/www.dailysmilesdental.com\/blog\/wp-content\/uploads\/2020\/12\/AdobeStock_226051436__6___1607206753_50329-300x200.jpg 300w, https:\/\/www.dailysmilesdental.com\/blog\/wp-content\/uploads\/2020\/12\/AdobeStock_226051436__6___1607206753_50329-768x512.jpg 768w, https:\/\/www.dailysmilesdental.com\/blog\/wp-content\/uploads\/2020\/12\/AdobeStock_226051436__6___1607206753_50329.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n<p>Dental insurance is a frustrating topic to navigate for many people. All of the complicated jargon, long wait times on the phone talking to representatives, and varying plan coverage can make understanding your benefits feel impossible. Fortunately, financial coordinators at your dental practice can help you learn more about your benefits and allow you to <a href=\"https:\/\/www.dailysmilesdental.com\/for-patients.html\">get the most out of your plan<\/a> before it renews on January 1<sup>st<\/sup>. To learn more, you can also read below for four helpful dental insurance-related questions to ask to yourself.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">What is a Copayment?<\/h2>\n\n\n\n<p>If your plan requires you to pay a copayment, this is a fee that you\u2019re responsible to pay each time you receive a dental treatment. Some plans have set, flat fees per visit, while others may require you to pay a certain portion of whatever treatment that you get. The best way to learn whether you have to pay a copayment or coinsurance during your visit is to see if it\u2019s listed on your insurance card or to contact your provider directly. Your dental professional should also be able to help you with this as well.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Much is Your Deductible?<\/h2>\n\n\n\n<p>Every insurance plan has a deductible, which is a set amount that the company will require you to pay before they will begin to cover any treatments that you receive from your dentist. Typically, plan deductibles are around $50 to $100. This means that you\u2019ll need to pay this amount out of your own pocket before your dental insurance benefits kick in. Every year on January 1<sup>st<\/sup>, this amount will reset and has the ability to change, so it\u2019s a good idea to get all of the treatments you need before the start of the new year to save yourself from unnecessary out-of-pocket costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Have You Met Your Yearly Maximum Yet?<\/h2>\n\n\n\n<p>Every insurance plan also has a yearly maximum, which is a capped-off amount of money that your provider will agree to pay out for your dental treatments. Just like your deductible, it will restart every year on January 1<sup>st<\/sup>. That means that in order to get the most out of your plan, you\u2019ll want to try to meet your maximum before your plan renews.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When Does Your Dental Insurance Plan Renew?<\/h2>\n\n\n\n<p>Many people aren\u2019t aware that their plan expires or renews every year. In order to get the most out of your investment in insurance, be sure to visit your dentist twice each year for a checkup and cleaning (which are typically covered completely by your benefits), and make sure to meet or exceed your maximum by December 31st.<\/p>\n\n\n\n<p>Dental insurance is an investment that\u2019s well worth it, as long as you understand your benefits and navigate them effectively. If you ever need help, always remember that you can reach out to your dental office\u2019s financial coordinator to ask questions!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Author<\/h2>\n\n\n\n<p>Dr. Arrechea has over 20 years of experience practicing dentistry and loves seeing her patients smile and feel confident in their oral health. She\u2019s proud to offer removable full and partial dentures as well as relining services to help her patients get the most out of their replacement teeth. To learn whether your dentures need to be adjusted, visit Daily Smiles Dental Dallas\u2019 <a href=\"https:\/\/www.dailysmilesdental.com\/contact-us.html\">website<\/a> or call 214-624-6221 today to schedule an examination.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dental insurance is a frustrating topic to navigate for many people. All of the complicated jargon, long wait times on the phone talking to representatives, and varying plan coverage can make understanding your benefits feel impossible. Fortunately, financial coordinators at your dental practice can help you learn more about your benefits and allow you to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-88","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dental Insurance | 4 Questions About Dental Insurance to Ask | Dentist<\/title>\n<meta name=\"description\" content=\"If you don\u2019t have this basic knowledge about dental insurance down, it can be hard to understand your benefits and coverage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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