{"id":274,"date":"2022-09-15T11:31:00","date_gmt":"2022-09-15T11:31:00","guid":{"rendered":"https:\/\/www.dentistrycoralsprings.com\/blog\/?p=274"},"modified":"2025-12-03T19:59:20","modified_gmt":"2025-12-03T19:59:20","slug":"things-to-remember-about-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.dentistrycoralsprings.com\/blog\/things-to-remember-about-dental-insurance\/","title":{"rendered":"3 Crucial Things to Remember About Dental Insurance"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.dentistrycoralsprings.com\/blog\/wp-content\/uploads\/AdobeStock_215510866__1664836478_74961.jpg\" alt=\"A dental insurance form on a black desk\" class=\"wp-image-275\" style=\"width:300px;height:200px\" srcset=\"https:\/\/www.dentistrycoralsprings.com\/blog\/wp-content\/uploads\/AdobeStock_215510866__1664836478_74961.jpg 800w, https:\/\/www.dentistrycoralsprings.com\/blog\/wp-content\/uploads\/AdobeStock_215510866__1664836478_74961-300x200.jpg 300w, https:\/\/www.dentistrycoralsprings.com\/blog\/wp-content\/uploads\/AdobeStock_215510866__1664836478_74961-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/figure><\/div>\n\n\n<p>When it comes to getting good oral care, dental insurance is vital. After all, it impacts whether or not you can afford a needed treatment! Still, many people find any insurance challenging to navigate. The <a href=\"https:\/\/www.dentistrycoralsprings.com\/dental-insurance.html\">subject matter<\/a> often seems dense, confusing, and less than straightforward. Some have even given up on trying to figure it out. That said, your Coral Springs dentist is here to straighten things out. Read on to learn three crucial things that\u2019ll help you grasp the basics of dental insurance.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Key Insurance Terms<\/h2>\n\n\n\n<p>Getting a handle on dental insurance means knowing its key terms. That said, here are the definitions for some common words used in insurance discussions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Benefit Period<\/strong>: The time when your insurance\u2019s benefit \u2014 what your insurer offers for something under a plan \u2014 is payable. It\u2019s marked by an \u201ceffective date\u201d and an \u201cend date.\u201d<\/li>\n\n\n\n<li><strong>Co-Pay<\/strong>: A fee you pay for healthcare services. It represents the expense not covered by your insurance plan.<\/li>\n\n\n\n<li><strong>Deductible<\/strong>: The amount you pay for health care services before an insurance plan covers anything.<\/li>\n\n\n\n<li><strong>Maximum<\/strong>: The annual maximum is the top amount your plan will pay toward your dental care *within a benefit period*. The lifetime maximum is the highest amount your plan will pay toward specific services.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">The Difference Between \u201cInsurance\u201d &amp; \u201cBenefits\u201d<\/h2>\n\n\n\n<p>Keep in mind that dental insurance and dental benefits aren\u2019t the same.<\/p>\n\n\n\n<p>Dental insurance will cover the cost of your procedures either fully or partly. It covers preventive care like cleanings and exams most of the time.<\/p>\n\n\n\n<p>In contrast, a dental benefits plan offers discounts at certain offices. For an annual fee, it gives you reduced prices for dental, orthodontic, and oral surgery services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Types of Insurance Plans<\/h2>\n\n\n\n<p>When selecting a dental insurance plan, you\u2019ll have these options: a preferred provider organization (PPO), a dental health maintenance organization (DHMO), and discount or referral dental plans.<\/p>\n\n\n\n<p>Like a health insurance PPO, a dental one comes with a list of dentists that accept the plan. You can go out of network, but your costs will be higher.<\/p>\n\n\n\n<p>A DMHO provides a network of dentists accepting the plan for a set co-pay or no fee. However, it may not let you see an out-of-network dentist.<\/p>\n\n\n\n<p>As referenced above, a discount dental plan is more like an insurance alternative. Rather than pay anything for your care, it gives you a discount on services from specific dentists.<\/p>\n\n\n\n<p>There\u2019s plenty more you can learn about dental insurance. Still, the above facts should help you navigate the field in the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Author<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.dentistrycoralsprings.com\/dr-walter-kulick.html\"><em>Dr. Walter K. Kulick<\/em><\/a><em><u> <\/u>is a dentist in Coral Springs, FL, having earned his dental doctorate from the University of Pennsylvania. He is also a proud member of the American Dental Association and the Florida Dental Association. His specialties are dental prosthetics and TMJ\/facial pain therapy, though he\u2019s also well-versed in preventive and cosmetic procedures. Dr. Kulick currently practices as part of the <\/em><a href=\"https:\/\/www.dentistrycoralsprings.com\/\"><em>Iglesias Dental Group<\/em><\/a><em> and can be reached at <\/em><a href=\"https:\/\/www.dentistrycoralsprings.com\/contact-us.html\"><em>his website<\/em><\/a><em> or by phone at <strong>(954)-341-0500.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to getting good oral care, dental insurance is vital. After all, it impacts whether or not you can afford a needed treatment! Still, many people find any insurance challenging to navigate. The subject matter often seems dense, confusing, and less than straightforward. Some have even given up on trying to figure it [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-274","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Things to Know About Dental Insurance | Iglesias Dental Group<\/title>\n<meta name=\"description\" content=\"Are you trying to make sense of dental insurance? If so, here are three critical things you should remember going forward.\" \/>\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.dentistrycoralsprings.com\/blog\/things-to-remember-about-dental-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Things to Know About Dental Insurance | Iglesias Dental Group\" \/>\n<meta property=\"og:description\" content=\"Are you trying to make sense of dental insurance? 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