What You Need To Do To Make The Most Of Your Dental Insurance

If you have dental insurance in San Diego, it’s only natural that you’d want to make the most of your policy, so in this guide from Carmel Mountain Dental Care, we’ll discuss the steps you can take to maximize your benefits. 

1. See An In-Network Dentist 

First, make sure to see a dentist who is within your network. Your insurance will always cover more of your care when you see an in-network dentist, compared to an out of network provider. At Carmel Mountain Dental Care, we work with a lot of dental insurance providers including Anthem, Cigna, Delta Dental, Guardian, MetLife and more. Contact us at (858) 484-4880 for more information. 

2. Get Preventive Care Twice Per Year

Just about every dental insurance policy will cover twice-yearly teeth cleanings and oral exams, as well as an annual set of x-rays. So if you’re not coming to Carmel Mountain Dental Care twice per year, you’re missing out on some benefits, and you may also have a higher risk of certain oral health issues like tooth decay and gum disease.

3. Understand The 100-80-50 Coverage Scheme

Most, though not all, dental plans use a 100-80-50 coverage scheme for your care. This means that:

  • Your plan pays for 100% of preventive care like teeth cleanings, oral exams and necessary x-rays
  • Your plan pays for 80% of “basic” care like fillings and root canals
  • Your plan pays for 50% of “major” care like crowns, bridges, and dentures

This is yet another reason that it’s important to see the dentist twice per year. The healthier your mouth is, the less likely it is that you will need treatments like fillings or crowns for tooth decay, which may carry high out-of-pocket costs.

4. Know Your Annual Maximum & Yearly Deductible

Most dental plans have a deductible of between $25 and $250, similarly to health insurance. After you reach this spending threshold, your plan will begin to pay out toward your care.

However, a big difference between dental insurance and health insurance is that dental plans also have annual maximums, usually between $1,000 and $2,000. After your plan pays out to this limit, it will no longer cover the cost of your care.

5. Understand Your Options If You’re Uninsured 

At Carmel Mountain Dental Care, we offer a $150 new patient special for new uninsured patients, as well as affordable financing. We also offer a Quality Dental Care Plan (QDP), which is an alternative to dental insurance. 

For an affordable monthly cost, the QDP includes:

  • 2 yearly oral exams and cleanings
  • 2 fluoride treatments
  • 1 set of yearly x-rays
  • 1 yearly teeth whitening
  • 20% off crowns and fillings
  • 70% off periodontal maintenance
  • 20% off nightguards
  • 20% off cosmetic dentistry
  • 15% off Invisalign

If you’d like to learn more, just get in touch with our dental team at (858) 484-4880.

Get Started With Quality Dental Care In Rancho Peñasquito Today! 

At Carmel Mountain Dental Care, our doctors provide expert care at affordable rates throughout Del Sur, Carmel Mountain Ranch, Carmel Valley, and the surrounding areas. Contact us online or call at (858) 484-4880 to get started right away and get the help you need to maintain a healthy smile.

$150 New Patient Special!

First visit to Carmel Mountain Dental Care? Schedule your New Patient Appointment today to meet the team and get the quality care you deserve at Carmel Mountain Dental Care. Our New Patient Special includes a comprehensive exam, cleaning, x-rays, and a personalized treatment plan.

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