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Before going to visit your dentist for treatment, it’s important to know what your dental insurance covers. Some people think their dental insurance plans will pay for the total cost of treatment, but this is rarely the case.

Those who need a dentist in Fairbanks, AK, should visit Michael Helmbrecht DDS. His team will be happy to answer questions you may have about dental insurance coverage and benefits. They offer general and restorative dentistry options such as dentures, dental crowns, bridges, root canals, and more.

Here’s why learning about your dental insurance coverage is important:

  • Know How Much to Pay: Dental insurance is either bought by you or provided by your employer. Learning about the coverage allows you to understand how much you’re going to pay for each treatment. For example, if the ratio of coverage is 80/20, your insurance pays 80% of the UCR (Usual, Customary, and Reasonable) fees and 20% will be paid by you.

  • dentistChoose Least Expensive Treatment: Your dental plan may not allow benefits for all treatment options. For instance, if your dentist recommends a crown installation but your coverage is only for a filling, by knowing what your dental insurance covers, you’ll be able to choose a treatment option that works within your budget.

  • Pre-Existing Conditions: Your dental insurance coverage may not include the condition you had before enrolling. If so, it’s highly likely that it won’t cover the procedure necessary to treat it. Learning this beforehand allows you to discuss the matter with your dentist so they can help you decide what type of treatment is best.

  • Choose a Preferred Provider: It’s also important to ask whether your dental insurance plan follows a preferred provider arrangement. This lets you pick a dentist from a list of the plan’s preferred providers. Not choosing your dentist from this group may affect your reimbursement.

Whether you need a tooth extraction or root canal, you can trust a dentist from Michael Helmbrecht DDS. Call them today at (907) 456-1237. You may also visit their website for more information, and connect with them on Facebook.

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