Need some help understanding your dental insurance? Worry no more! We’ll help you understand some of the important terms used so you can better understand your benefits and coverage!
Understanding the dental insurance lingo
Administrator: Someone who manages a dental benefit program on behalf of the program’s sponsor.
Copayment: The amount that the beneficiary must pay at the time of check-up.
Coverage: The benefits open to those who are insured with a dental benefit plan.
Exclusions: Dental services not covered under a dental benefit program.
Deductible: This is the service amount that the patient pays before your dental coverage starts to cover it.
Network: Is a dentist who agrees to be “in network” with insurance companies. This network agrees and accepts a set of fees that is determined by the dental coverage. Your carrier will typically give you a list of providers that meet their standards of accepted fees.
Maximum Benefit: Defined as the total dollar amount that a program will pay for the cost of dental care acquired by you, or an individual under your plan, usually in a calendar year.
Premium: This is the cost that you will pay on a monthly basis for dental coverage.
Waiting Period: A period of time a person must be enrolled in to become eligible for benefits.
Now that you’ve got a better understanding of the basics be sure you’re keeping up to date with your routine check-ups!
At Delta Dental of Minnesota, we offer a variety of plans that will fit your needs! Check out our different plans on our website, here Have questions regarding your insurance plan? Please feel free to contact our Delta Dental of Minnesota number at (612) 224-3300! Take care of your oral health by being insured with dental coverage! Keep your smile healthy!
