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5 Ways your Dental Insurance Could be Ruining Your Smile

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Cost of Dental CareThe availability of dental insurance plans has made dental care more accessible for millions of adults and children across the country.  Once you find a dentist in the Smithfield area who participates with your dental insurance plan, ask about these common insurance pitfalls. The covered procedures and level of coverage could leave you disappointed in the area that matters most—the health and appearance of your smile.

If you are unsatisfied with the way that your smile looks or feels, even though you visit your dentist regularly, then it’s time to take a look at the 5 ways in which your dental insurance plan could be ruining your smile:

  1. Frequency of appointments – Most dental insurance plans set strict limits on the frequency of your dental checkups, cleaning, and x-rays. If your dental condition requires that you see the dentist or hygienist more often for examinations or treatments, you might find that you plan doesn’t provide coverage for these necessary services.
  2. Access to preventive care – A cleaning isn’t always enough to keep your smile healthy. Many adults can benefit from fluoride treatments several times each year for the prevention of cavities or for the management of sensitive teeth. Unfortunately, the average insurance plan limits the coverage for fluoride treatments to patients under the age of 14.
  3. Access to corrective procedures – Braces, bite correction procedures, dental implants, and TMJ treatments are rarely covered under today’s basic dental plans. Although these procedures can dramatically improve the health and function of your teeth, there is often very little coverage in these areas.
  4. Coverage for cosmetic procedures –Typical dental plans will only provide coverage for those procedures which the plan administrators perceive as “necessary or basic”. Cosmetic procedures like teeth whitening, veneers, or porcelain crowns are often considered to be elective or unnecessary, and therefore not covered by the policy.
  5. Annual maximums –While the investment in your oral health can easily exceed several thousand dollars, most plans will limit their coverage to $1000 each year. This means that the plan will only cover up to $1000 each year, no matter the total cost of the recommended care.

Your insurance plan can help to offset the cost of your dental care, but the plan shouldn’t limit or dictate the quality of dental care that you need. For the sake of your oral health and your smile, talk to a dentist in the Smithfield area about getting the dental care that is best for you and overcoming your insurance plan’s restrictions.

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