When you visit a dental clinic in Tacoma the first thing asked from you will be whether you have dental insurance or not. Dental insurance is equally important to life insurance as by covering your basic needs for your dental care, it provided you peace of mind. You may have many questions about dental Tacoma insurance in your mind after getting your treatment plan once. We are here to answer your questions in this regard.
How many times I can avail free dental cleaning in a year?
Actually, maximum you can get your teeth cleaned free once a year. It can cost from $0 to $2,000 or more depending upon your insurance plan. Usually, during your benefit period, from January to December, 80-100% the cost of cleaning your teeth is paid twice. So you can get free cleaning twice a year if your plan covers 100%. But you will have to pay its cost from your pocket if the entire budget for the benefit period has already been used by you. You should also keep in mind that these benefits are not carry forward to next year. So if you are delaying some important dental work due any reason then you should get it completed as soon as possible to avail maximum benefit of your dental insurance in Tacoma.
What is deductible every year?
You will have to deal with yearly deductibles yourself during the benefit period of your dental insurance. It should be done before the cost of your dental treatment is paid by the insurance company.
What is meant by a PPO?
PPO is a network of Preferred Providers which allows you to visit any dentist or dental service provider in the network. The service provided by the provider in the network will be more beneficial for your, regardless of which provider you have selected, than the provider you choose out of the network. 100% cost of your dental cleaning will be covered with in-network provider whereas with out of the network provider it will be covered only 80%. So before visiting a dental clinic in Tacoma you should check whether it is in the PPO list of your insurance provider or not to get the maximum benefits.
Why I get a bill even after paying my portion on the date of appointment?
Various dental insurance plans have some limitations even if they are designed to bear most of your dental care expenses. Certain things are not covered in these plans like:
Sometimes 80-100% of fluoride treatment can be covered, depending on the age limitation in the plan. If it has age limitation of 18 years then fluoride treatment of your child cannot by covered after 18 years of age.
Sometimes 50% of crown can be covered but there can be time limitation for treating a single tooth. Suppose you plan covers crown treatment on single tooth once in 5 years then you cannot get the crown replaced only after three years of getting it for the first time. You will have to bear entire cost in such case.
In this way you can maximise your dental insurance benefits in Tacoma by using the terms of plan carefully.