This time of year here in Nashville we seem to get more questions about dental insurance than any other time. Do y’all accept Cigna, Health Spring, Delta Dental, Blue Cross Blue Shield, etc, etc. With a new year often comes resolutions to lose weight as well as changes to dental benefits.
Here’s a quick list of changes to most dental insurance plans in the new year…
1) New plan year maximum. Most dental insurance plans pay a certain amount of benefits each year and that’s it. At the end of the year what you don’t use doesn’t roll into the next, you start over with a new amount. So with each new year you get another batch of funds to help cover your dental expenses. That means if you have work you’ve been waiting to do, now is the time when you have the most available funds to get it done.
2) New plan. Employers often change their benefits and that can mean new dental insurance for you. This can be good or bad. A new dental insurance plan may cover more procedures. That’s good. High five! On the other hand, a new plan may have a waiting period (it won’t cover procedures until a certain amount of time has passed) or it may cover fewer procedures. That’s bad. Booooo.
3) Different plan options. Patients are often given a choice of plan near the end of a year or at the beginning of a new year. So it’s time to chose and chose wisely. One plan may have a low premium, but you may not get as much coverage. Another may cost moe, but provides better coverage. Which dental insurance plan is right for you depends one your personal situation and dental health.
Confused yet? Good, ’cause there’s more…
4) Deductible. Tax deduction.. wha? No deductible. This is the amount you have to pay out of pocket before the plan benefits kick in. Again, it’s different with every dental insurance plan, but with each new year you have to meet your deductible.
Another issue that we run into is people who are current patients who change dental insurance plans and think that they can no longer come to our office. That is not necessarily the case. We participate with many dental insurance plans, so the chances are that if you switch insurance plans, we accept the new plan too.
Just in case you are wondering, our office is in network with Delta Dental of Tennessee, Cigna Dental PPO, United Healthcare, Blue Cross Blue Shield of Tennessee, Health Spring, Connection Dental Network, and accept many other dental insurance plans. So if you live in Nashville and are looking for a new dental home, well, now you’ve found one.
If you have any other questions about dental insurance please call our Nashville office at 615-298-2385 or visit our office website at www.MusicCitySmiles.com