Your oral and general health are closely connected. Healthy teeth and gums are essential for your overall wellness. Unfortunately, brushing and flossing aren’t enough to protect your smile from cavities and gum disease. You should also see a dentist every 6 months for a cleaning and checkup. You don’t have to worry about extra bills if you have dental insurance. Paying your monthly premiums for your policy gives you access to affordable dentistry. You can invest in a healthy smile that lasts for minimal expense by visiting your BlueCross BlueShield dentist in Belmont.
Dental insurance is designed to preserve oral health, which prevents costly treatments down the road. BlueCross BlueShield is a nationwide provider of comprehensive dental plans for families and individuals. Although every policy differs, most plans include:
BlueCross BlueShield focuses its plans on prevention to stop common dental problems from occurring in the first place, like tooth decay and gum disease. A cleaning and checkup can protect your teeth and gums to prevent needing costly treatments later. Research has found that every $1 spent on prevention can save up to $50 on restorative fees. You can visit your dentist every 6 months for a cleaning and checkup after a co-payment.
If your dentist finds an issue, BlueCross BlueShield is there for you. You can use your annual allowance to lower the amount you’ll pay out-of-pocket. After meeting your yearly deductible, your dental benefits can pay up to 80% of the cost of common treatments, like fillings, root canals, and tooth extractions.
BlueCross BlueShield recommends visiting an in-network dentist to benefit from more coverage at the time of services. They have pre-negotiated rates with preferred dental practices to keep a healthy smile affordable. However, you have the freedom to choose any dentist that accepts your coverage. You can still use your dental insurance at an out-of-network dentist, but you will have to pay the difference between your policy’s allowable amount and the office’s fees.
Your insurance benefits reset at the end of the year, and you’ll lose anything you haven’t used. You are not reimbursed for your premiums and nothing carries over into the next year. We don’t want to see you throw money down the drain.
We are proud to help both in-network and out-of-network patients maximize their annual benefits to achieve optimal oral health without breaking the bank.
Dental insurance in Belmont can be confusing, but you don’t have to navigate your policy alone. Toni will work on your behalf with BlueCross BlueShield to utilize your coverage. Toni will explain how your benefits are being used and if there’s any remaining balance. Our office accepts various payment methods for any out-of-pocket expenses, including monthly payments using third-party financing.
If you have questions about your dental insurance, or you’re ready to schedule an appointment, contact our office today to request an appointment.