Monday, March 30, 2015

Getting The Most Out Of Your Dental Plan Is As Easy As 1-2-3!

When you purchase a dental plan one of the things that you expect is to save money at the dentist office. That is what a dental plan is designed to do. However, whether or not you get the savings that you were looking for in some ways falls upon your shoulders as a member of the plan. How you use the plan can determine whether or not you are receiving the full benefits that you are entitled to. 

Saving money and getting the most out of your dental plan is very simple! Easy as 1-2-3 as I like to say. Here is a simple approach to making sure that you getting the most out of your dental plan.

1. USE THE PLAN! You have already paid for, or are paying for, the plan. In some cases, 1 or 2 trips to the dental office will save you at least what you have paid for the plan. The more you go to the dentist, the more you use the plan, the more money you will save. 

2. MAKE SURE YOU GOING TO AN "IN-NETWORK" DENTIST OR SPECIALIST: I cannot stress this enough. There are many dental centers out there that will says they will accept your plan to get you as a patient. That does not necessarily mean that they are credentialed and approved by the plan to see their members. You may go into that dentist, get your treatment and receive a savings, but you may (and most likely are) not receiving the full benefit you are entitled to. Dental centers that are "in-network" will always have the most up to date information from the plan and are kept in the loop about any changes to the fee schedule of benefits. A dentist that is not "in network" will most likely working off of old information that obtained from a 3rd party and be charging you more money. Always check with your plan to make sure that the dentist or specialist is "in-network"

3. CHECK YOUR SAVINGS: When you sign up for a dental plan you are issued a fee schedule. Keep that fee schedule handy when you go to the dentist. When you get your bill or treatment plan, compare the prices on that to your fee schedule and make sure you are getting charged correctly. Also, know what your discount is for unlisted procedures (at Savon it is 50%) so you can check and make sure you getting that. Lastly, know your discount percentage for a specialist. (at Savon it is 25%) If you are unsure if you being charged correctly, contact your plan. They can assist you in make sure that that all charges are correct!

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