When it comes to visiting your dentist many people worry about how they are going to pay for it. Dentists offer many ways to pay for your appointment. That way you can keep your mouth and your teeth clean. Contact your local dentist in Provo to find out the ways you can pay for your dental work. Your dentist may offer a few different ways you can pay. Some of the choices can be affordable monthly payments or going through your insurance company.
What is dental insurance?
Dental insurance pays a portion of costs associated with preventive, minor, and some major dental care. Most dental insurance completely cover preventive care, which includes regular six months check-up and may also cover care for cavities.
How does dental insurance work?
Dental insurance works a lot like health insurance. Each month you pay the insurance a certain dollar amount and when you visit your dentist, you may be responsible to pay a copay, only if your plan includes copays.
Typically plans use a 100/80/50 structure.
-100% for preventive, this includes cleaning, exams, and x rays (you pay nothing out of pocket)
-80% for basic procedures, such as fillings or root canals (you pay 20% of the procedure cost)
-50% for major procedures, such as crowns and dentures or braces (you pay 50% of the procedure cost)
This is why shopping around for insurance is very important. You want to find the best fit for your needs. Another good tip for When shopping around for dental insurance you want to look if there are copays or if there is a waiting period.
What is a waiting period in dental insurance?
A dental insurance waiting period is the length of time after purchasing your dental benefits plan that you must wait before you can use your full coverage. Most dental insurance plans do not require a waiting period for preventive care. That means you and your family may receive exams, cleanings, x-rays, and fluoride treatments as provided in your plan. Some basic procedures like a root canal, cavities, or wisdom may have a three- to a six-month waiting period.
If you require dental work right away these are some dental insurance that doesn’t have a waiting period.
- Spirit Dental
- Humana
- Delta Dental
- MetLife
- United Health Care
- Denali Dental
- Ameritas
If you or your family don’t have dental insurance a great choice would be is doing monthly payments. The monthly payment is an affordable way to pay for your appointment. Making a down payment on your procedure and then paying off the rest over time with interest-free installments. Some patients may also qualify for a no-money-down.
Dentists in Provo also offer CareCredit. CareCredit is a health credit card designed for your health and wellness needs which includes dental work. It’s a way to pay for the cost of many treatments and procedures and allows you to make affordable monthly payments. CareCredit also extends longer-term healthcare financing for 24, 36, 48, or 60-month periods.
