{"id":236,"date":"2022-09-04T23:24:00","date_gmt":"2022-09-04T23:24:00","guid":{"rendered":"https:\/\/www.cherrichdds.com\/blog\/?p=236"},"modified":"2022-10-04T23:24:34","modified_gmt":"2022-10-04T23:24:34","slug":"dental-insurance-101-what-does-your-policy-cover","status":"publish","type":"post","link":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/","title":{"rendered":"How Does Dental Insurance Work?"},"content":{"rendered":"

\"Molar,Brushing and flossing are only half the care your smile needs to stay healthy. Your oral health also relies on regular appointments with a dentist. Dental insurance allows you to benefit from the high-quality services you need for affordable rates. While 156 million Americans have dental insurance, less than 3% of people meet or exceed their annual limits. If you don\u2019t use all your coverage before the end of the year, you can lose hundreds to thousands of dollars that could have been spent on your smile. Dental insurance can be confusing, but don\u2019t throw money down the drain. You pay your premiums every month, so why not use your benefits? Here\u2019s how your coverage works to achieve the healthy smile you deserve.<\/p>\n

<\/p>\n\n\n

100% of Preventive Services Coverage<\/h2>\n\n\n\n

Dental insurance<\/a> focuses on prevention to stop common oral health issues from occurring. Every $1 spent on prevention can save up to $50 on restorative fees by preserving the policyholder\u2019s natural smile. The American Dental Association recommends a cleaning and checkup every 6 months to keep tooth decay and gum disease at bay. You can visit your dentist twice per year after a copayment. Your insurance will cover 100% of the cost of preventive services, including X-rays, cleanings, checkups, and more. <\/p>\n\n\n\n

80% of Minor Restorative Services Coverage<\/h2>\n\n\n\n

If your dentist finds a problem, you don\u2019t have to stress about a large bill. After reaching your annual deductible, your insurance can pay 80% of the costs for certain treatments, like fillings, dental bonding, or tooth extractions. Your benefits will cover a portion of the cost until reaching your yearly limit, which typically varies from $1,000 to $2,500.<\/p>\n\n\n\n

50% of Major Restorative Services Covered<\/h2>\n\n\n\n

If your smile needs major rehabilitation, your dental insurance can reduce the amount you pay out-of-pocket after reaching your deductible. Although every policy differs, major restorative services include crowns, implants, or dentures. Your dentist will offer various payment options for any remaining balance, like third-party financing with CareCredit. <\/p>\n\n\n\n

In-Network VS Out-of-Network Dentist<\/h2>\n\n\n\n

Your dental insurance recommends choosing an in-network dentist because they have pre-negotiated rates for common treatments. You\u2019ll enjoy more coverage at the time of care, but you can visit an out-of-network dentist. You can still use your benefits, but you\u2019ll have to pay the difference between the dentist\u2019s fees and your insurance\u2019s allowed coverage.<\/p>\n\n\n\n

Your Benefits Don\u2019t Last Forever<\/h2>\n\n\n\n

At the end of the calendar year, you\u2019ll lose any benefits you haven\u2019t used because your policy resets. Nothing will carry over into the new year, and you aren\u2019t reimbursed for your premiums or deductible. <\/p>\n\n\n\n

There\u2019s still time to use your dental insurance before it expires. Contact your dentist to achieve optimal oral health for minimal expense. <\/p>\n\n\n\n

About Dr. Cher Rich<\/strong><\/p>\n\n\n\n

Dr. Rich<\/a> achieved her dental degree from the University of Texas at Houston Dental School and has regularly completed continual education to provide modern care. She accepts many dental insurances to keep a healthy smile affordable for everyone. If you need an appointment, contact our office<\/a> today.<\/p>\n","protected":false},"excerpt":{"rendered":"

Brushing and flossing are only half the care your smile needs to stay healthy. Your oral health also relies on regular appointments with a dentist. Dental insurance allows you to benefit from the high-quality services you need for affordable rates. While 156 million Americans have dental insurance, less than 3% of people meet or exceed […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"\nDental Insurance 101: What Does Your Policy Cover?<\/title>\n<meta name=\"description\" content=\"Understanding how your dental insurance works is the best way to make the most of your coverage to invest in your oral health.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dental Insurance 101: What Does Your Policy Cover?\" \/>\n<meta property=\"og:description\" content=\"Understanding how your dental insurance works is the best way to make the most of your coverage to invest in your oral health.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/\" \/>\n<meta property=\"og:site_name\" content=\"Cher Rich D.D.S. Blog\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-04T23:24:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-10-04T23:24:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cherrichdds.com\/blog\/wp-content\/uploads\/2022\/10\/dental-insurance-8-300x200.jpg\" \/>\n<meta name=\"author\" content=\"cherrichdds\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"cherrichdds\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/\",\"url\":\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/\",\"name\":\"Dental Insurance 101: What Does Your Policy Cover?\",\"isPartOf\":{\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.cherrichdds.com\/blog\/wp-content\/uploads\/2022\/10\/dental-insurance-8-300x200.jpg\",\"datePublished\":\"2022-09-04T23:24:00+00:00\",\"dateModified\":\"2022-10-04T23:24:34+00:00\",\"author\":{\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/#\/schema\/person\/82f57b073e7ae8e78677977d8fd5f3be\"},\"description\":\"Understanding how your dental insurance works is the best way to make the most of your coverage to invest in your oral health.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#primaryimage\",\"url\":\"https:\/\/www.cherrichdds.com\/blog\/wp-content\/uploads\/2022\/10\/dental-insurance-8.jpg\",\"contentUrl\":\"https:\/\/www.cherrichdds.com\/blog\/wp-content\/uploads\/2022\/10\/dental-insurance-8.jpg\",\"width\":1800,\"height\":1200,\"caption\":\"Molar, glasses, calculator, and dental insurance form\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.cherrichdds.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Does Dental Insurance Work?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/#website\",\"url\":\"https:\/\/www.cherrichdds.com\/blog\/\",\"name\":\"Cher Rich D.D.S. Blog\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cherrichdds.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/#\/schema\/person\/82f57b073e7ae8e78677977d8fd5f3be\",\"name\":\"cherrichdds\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.cherrichdds.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5aa13162b73a601dc464fe98d3930320?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5aa13162b73a601dc464fe98d3930320?s=96&d=mm&r=g\",\"caption\":\"cherrichdds\"},\"url\":\"https:\/\/www.cherrichdds.com\/blog\/author\/cherrichdds\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Dental Insurance 101: What Does Your Policy Cover?","description":"Understanding how your dental insurance works is the best way to make the most of your coverage to invest in your oral health.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/","og_locale":"en_US","og_type":"article","og_title":"Dental Insurance 101: What Does Your Policy Cover?","og_description":"Understanding how your dental insurance works is the best way to make the most of your coverage to invest in your oral health.","og_url":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/","og_site_name":"Cher Rich D.D.S. Blog","article_published_time":"2022-09-04T23:24:00+00:00","article_modified_time":"2022-10-04T23:24:34+00:00","og_image":[{"url":"https:\/\/www.cherrichdds.com\/blog\/wp-content\/uploads\/2022\/10\/dental-insurance-8-300x200.jpg","type":"","width":"","height":""}],"author":"cherrichdds","twitter_card":"summary_large_image","twitter_misc":{"Written by":"cherrichdds","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/","url":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/","name":"Dental Insurance 101: What Does Your Policy Cover?","isPartOf":{"@id":"https:\/\/www.cherrichdds.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#primaryimage"},"image":{"@id":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cherrichdds.com\/blog\/wp-content\/uploads\/2022\/10\/dental-insurance-8-300x200.jpg","datePublished":"2022-09-04T23:24:00+00:00","dateModified":"2022-10-04T23:24:34+00:00","author":{"@id":"https:\/\/www.cherrichdds.com\/blog\/#\/schema\/person\/82f57b073e7ae8e78677977d8fd5f3be"},"description":"Understanding how your dental insurance works is the best way to make the most of your coverage to invest in your oral health.","breadcrumb":{"@id":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#primaryimage","url":"https:\/\/www.cherrichdds.com\/blog\/wp-content\/uploads\/2022\/10\/dental-insurance-8.jpg","contentUrl":"https:\/\/www.cherrichdds.com\/blog\/wp-content\/uploads\/2022\/10\/dental-insurance-8.jpg","width":1800,"height":1200,"caption":"Molar, glasses, calculator, and dental insurance form"},{"@type":"BreadcrumbList","@id":"https:\/\/www.cherrichdds.com\/blog\/2022\/09\/04\/dental-insurance-101-what-does-your-policy-cover\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cherrichdds.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How Does Dental Insurance Work?"}]},{"@type":"WebSite","@id":"https:\/\/www.cherrichdds.com\/blog\/#website","url":"https:\/\/www.cherrichdds.com\/blog\/","name":"Cher Rich D.D.S. Blog","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cherrichdds.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.cherrichdds.com\/blog\/#\/schema\/person\/82f57b073e7ae8e78677977d8fd5f3be","name":"cherrichdds","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.cherrichdds.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5aa13162b73a601dc464fe98d3930320?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5aa13162b73a601dc464fe98d3930320?s=96&d=mm&r=g","caption":"cherrichdds"},"url":"https:\/\/www.cherrichdds.com\/blog\/author\/cherrichdds\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/posts\/236"}],"collection":[{"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/comments?post=236"}],"version-history":[{"count":1,"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/posts\/236\/revisions"}],"predecessor-version":[{"id":238,"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/posts\/236\/revisions\/238"}],"wp:attachment":[{"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/media?parent=236"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/categories?post=236"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cherrichdds.com\/blog\/wp-json\/wp\/v2\/tags?post=236"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}