![\"computer](\"http:\/\/www.drwolnik.com\/blog\/wp-content\/uploads\/2015\/08\/dental-coverage.jpg\")
<\/a>Explain Dental Insurance, Please!<\/b><\/h2>\nDental Insurance Maximums <\/strong><\/h3>\nMost dental plans have an annual dollar maximum, which is the maximum amount the plan will pay towards the cost of your dental care within a specified benefits period (typically January through December). You\u2019re personally responsible for any costs that are beyond the maximum.<\/p>\n
Dental Insurance Deductibles <\/strong><\/h3>\nMost dental plans have a specific dollar deductible. This is the amount you must pay toward your dental bill before the plan begins paying. Some plans apply the deductible to diagnostic or preventive treatments while others don\u2019t. Check with your insurance company to determine the deductible amounts and which service they apply.<\/p>\n
Coinsurance & Copays <\/strong><\/h3>\nCoinsurance is your share of the cost of a service. Your plan will pay a pre-determined percentage of the cost, and you handle the rest. You start paying coinsurance after you\u2019ve paid your deductible. A copay is a fixed amount you pay for a service, usually when you receive the service.<\/p>\n
Understanding\u00a0Reimbursement Levels <\/strong><\/h2>\nMost plans cover three different types of service:<\/p>\n
\n- Preventive & Diagnostic Services <\/strong>(Class I) \u2013 These services include exams, cleanings, x-rays, and fluoride treatments. They\u2019re typically covered at the highest percentage (for example, 80 to 100 percent of the plan\u2019s approved fee) and is set-up to actively encourage you to seek preventive care.<\/li>\n
- Basic Services<\/strong> (Class II) \u2013 Basic services include fillings, extractions, sealants, and root canal treatments. They\u2019re sometimes reimbursed at a slightly lower percentage (for example, 70 percent).<\/li>\n
- Major Services<\/strong> (Class III) \u2013 Crowns, dentures, fixed bridges, and implants are considered major dental services. They\u2019re usually reimbursed at a lower percentage (for example, 50 percent) and may have a waiting period before services are covered.<\/li>\n<\/ul>\n
Pre-Treatment Estimate <\/strong><\/h2>\nIf you require extensive dental care, ask your dentist to submit a request for a pre-treatment estimate. This way you\u2019ll know in advance which procedures are covered, what the plan will pay, and what you\u2019re required to pay. Keep in mind that a pre-treatment estimate is not a guarantee of payment.<\/p>\n
Limitations and Exclusions<\/strong><\/h2>\nDental plans are designed to help with some of your dental expenses but most don\u2019t cover every dental need. It\u2019s important to be aware of your plans limitations and exclusions.<\/p>\n
There is a misperception that you only need treatment approved by your insurance company, but this isn\u2019t necessarily true.. Again, dental plans are designed to help cover some treatments, but not all treatments necessary to maintain good oral health.<\/p>\n
Don\u2019t put off a treatment solely because it\u2019s not covered. If you have difficulty affording it, discuss with your dentist what financing options might be available.<\/p>\n
Take some time to review your plan, so you have a good understanding of your dental coverage!<\/p>\n
Dental Services in Parma Heights, Ohio<\/strong><\/h2>\nKenneth J. Wolnik, DDS practices general dentistry in Parma Heights, Ohio. In addition to providing dental cleaning and fillings, Dr. Wolnik also specializes in cosmetic and restorative dentistry, as well as, sleep apnea treatment. Give us a call at (440) 888-5055, email us at info@drwolnik.com<\/a> or contact us online<\/a>!<\/p>\nConnect with Dr. Wolnik on Social Media and stay up-to-date on the latest news!<\/em><\/p>\nFacebook<\/a>\u00a0|\u00a0Twitter<\/a>\u00a0|\u00a0Google +<\/a>\u00a0|\u00a0YouTube<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Most dental plans have an annual dollar maximum, which is the maximum amount the plan will pay towards the cost of your dental care within a specified benefits period (typically January through December). You\u2019re personally responsible for any costs that are beyond the maximum.<\/p>\n
Dental Insurance Deductibles <\/strong><\/h3>\nMost dental plans have a specific dollar deductible. This is the amount you must pay toward your dental bill before the plan begins paying. Some plans apply the deductible to diagnostic or preventive treatments while others don\u2019t. Check with your insurance company to determine the deductible amounts and which service they apply.<\/p>\n
Coinsurance & Copays <\/strong><\/h3>\nCoinsurance is your share of the cost of a service. Your plan will pay a pre-determined percentage of the cost, and you handle the rest. You start paying coinsurance after you\u2019ve paid your deductible. A copay is a fixed amount you pay for a service, usually when you receive the service.<\/p>\n
Understanding\u00a0Reimbursement Levels <\/strong><\/h2>\nMost plans cover three different types of service:<\/p>\n
\n- Preventive & Diagnostic Services <\/strong>(Class I) \u2013 These services include exams, cleanings, x-rays, and fluoride treatments. They\u2019re typically covered at the highest percentage (for example, 80 to 100 percent of the plan\u2019s approved fee) and is set-up to actively encourage you to seek preventive care.<\/li>\n
- Basic Services<\/strong> (Class II) \u2013 Basic services include fillings, extractions, sealants, and root canal treatments. They\u2019re sometimes reimbursed at a slightly lower percentage (for example, 70 percent).<\/li>\n
- Major Services<\/strong> (Class III) \u2013 Crowns, dentures, fixed bridges, and implants are considered major dental services. They\u2019re usually reimbursed at a lower percentage (for example, 50 percent) and may have a waiting period before services are covered.<\/li>\n<\/ul>\n
Pre-Treatment Estimate <\/strong><\/h2>\nIf you require extensive dental care, ask your dentist to submit a request for a pre-treatment estimate. This way you\u2019ll know in advance which procedures are covered, what the plan will pay, and what you\u2019re required to pay. Keep in mind that a pre-treatment estimate is not a guarantee of payment.<\/p>\n
Limitations and Exclusions<\/strong><\/h2>\nDental plans are designed to help with some of your dental expenses but most don\u2019t cover every dental need. It\u2019s important to be aware of your plans limitations and exclusions.<\/p>\n
There is a misperception that you only need treatment approved by your insurance company, but this isn\u2019t necessarily true.. Again, dental plans are designed to help cover some treatments, but not all treatments necessary to maintain good oral health.<\/p>\n
Don\u2019t put off a treatment solely because it\u2019s not covered. If you have difficulty affording it, discuss with your dentist what financing options might be available.<\/p>\n
Take some time to review your plan, so you have a good understanding of your dental coverage!<\/p>\n
Dental Services in Parma Heights, Ohio<\/strong><\/h2>\nKenneth J. Wolnik, DDS practices general dentistry in Parma Heights, Ohio. In addition to providing dental cleaning and fillings, Dr. Wolnik also specializes in cosmetic and restorative dentistry, as well as, sleep apnea treatment. Give us a call at (440) 888-5055, email us at info@drwolnik.com<\/a> or contact us online<\/a>!<\/p>\nConnect with Dr. Wolnik on Social Media and stay up-to-date on the latest news!<\/em><\/p>\nFacebook<\/a>\u00a0|\u00a0Twitter<\/a>\u00a0|\u00a0Google +<\/a>\u00a0|\u00a0YouTube<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Coinsurance is your share of the cost of a service. Your plan will pay a pre-determined percentage of the cost, and you handle the rest. You start paying coinsurance after you\u2019ve paid your deductible. A copay is a fixed amount you pay for a service, usually when you receive the service.<\/p>\n
Understanding\u00a0Reimbursement Levels <\/strong><\/h2>\nMost plans cover three different types of service:<\/p>\n
\n- Preventive & Diagnostic Services <\/strong>(Class I) \u2013 These services include exams, cleanings, x-rays, and fluoride treatments. They\u2019re typically covered at the highest percentage (for example, 80 to 100 percent of the plan\u2019s approved fee) and is set-up to actively encourage you to seek preventive care.<\/li>\n
- Basic Services<\/strong> (Class II) \u2013 Basic services include fillings, extractions, sealants, and root canal treatments. They\u2019re sometimes reimbursed at a slightly lower percentage (for example, 70 percent).<\/li>\n
- Major Services<\/strong> (Class III) \u2013 Crowns, dentures, fixed bridges, and implants are considered major dental services. They\u2019re usually reimbursed at a lower percentage (for example, 50 percent) and may have a waiting period before services are covered.<\/li>\n<\/ul>\n
Pre-Treatment Estimate <\/strong><\/h2>\nIf you require extensive dental care, ask your dentist to submit a request for a pre-treatment estimate. This way you\u2019ll know in advance which procedures are covered, what the plan will pay, and what you\u2019re required to pay. Keep in mind that a pre-treatment estimate is not a guarantee of payment.<\/p>\n
Limitations and Exclusions<\/strong><\/h2>\nDental plans are designed to help with some of your dental expenses but most don\u2019t cover every dental need. It\u2019s important to be aware of your plans limitations and exclusions.<\/p>\n
There is a misperception that you only need treatment approved by your insurance company, but this isn\u2019t necessarily true.. Again, dental plans are designed to help cover some treatments, but not all treatments necessary to maintain good oral health.<\/p>\n
Don\u2019t put off a treatment solely because it\u2019s not covered. If you have difficulty affording it, discuss with your dentist what financing options might be available.<\/p>\n
Take some time to review your plan, so you have a good understanding of your dental coverage!<\/p>\n
Dental Services in Parma Heights, Ohio<\/strong><\/h2>\nKenneth J. Wolnik, DDS practices general dentistry in Parma Heights, Ohio. In addition to providing dental cleaning and fillings, Dr. Wolnik also specializes in cosmetic and restorative dentistry, as well as, sleep apnea treatment. Give us a call at (440) 888-5055, email us at info@drwolnik.com<\/a> or contact us online<\/a>!<\/p>\nConnect with Dr. Wolnik on Social Media and stay up-to-date on the latest news!<\/em><\/p>\nFacebook<\/a>\u00a0|\u00a0Twitter<\/a>\u00a0|\u00a0Google +<\/a>\u00a0|\u00a0YouTube<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Pre-Treatment Estimate <\/strong><\/h2>\nIf you require extensive dental care, ask your dentist to submit a request for a pre-treatment estimate. This way you\u2019ll know in advance which procedures are covered, what the plan will pay, and what you\u2019re required to pay. Keep in mind that a pre-treatment estimate is not a guarantee of payment.<\/p>\n
Limitations and Exclusions<\/strong><\/h2>\nDental plans are designed to help with some of your dental expenses but most don\u2019t cover every dental need. It\u2019s important to be aware of your plans limitations and exclusions.<\/p>\n
There is a misperception that you only need treatment approved by your insurance company, but this isn\u2019t necessarily true.. Again, dental plans are designed to help cover some treatments, but not all treatments necessary to maintain good oral health.<\/p>\n
Don\u2019t put off a treatment solely because it\u2019s not covered. If you have difficulty affording it, discuss with your dentist what financing options might be available.<\/p>\n
Take some time to review your plan, so you have a good understanding of your dental coverage!<\/p>\n
Dental Services in Parma Heights, Ohio<\/strong><\/h2>\nKenneth J. Wolnik, DDS practices general dentistry in Parma Heights, Ohio. In addition to providing dental cleaning and fillings, Dr. Wolnik also specializes in cosmetic and restorative dentistry, as well as, sleep apnea treatment. Give us a call at (440) 888-5055, email us at info@drwolnik.com<\/a> or contact us online<\/a>!<\/p>\nConnect with Dr. Wolnik on Social Media and stay up-to-date on the latest news!<\/em><\/p>\nFacebook<\/a>\u00a0|\u00a0Twitter<\/a>\u00a0|\u00a0Google +<\/a>\u00a0|\u00a0YouTube<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Dental plans are designed to help with some of your dental expenses but most don\u2019t cover every dental need. It\u2019s important to be aware of your plans limitations and exclusions.<\/p>\n
There is a misperception that you only need treatment approved by your insurance company, but this isn\u2019t necessarily true.. Again, dental plans are designed to help cover some treatments, but not all treatments necessary to maintain good oral health.<\/p>\n
Don\u2019t put off a treatment solely because it\u2019s not covered. If you have difficulty affording it, discuss with your dentist what financing options might be available.<\/p>\n
Take some time to review your plan, so you have a good understanding of your dental coverage!<\/p>\n
Dental Services in Parma Heights, Ohio<\/strong><\/h2>\nKenneth J. Wolnik, DDS practices general dentistry in Parma Heights, Ohio. In addition to providing dental cleaning and fillings, Dr. Wolnik also specializes in cosmetic and restorative dentistry, as well as, sleep apnea treatment. Give us a call at (440) 888-5055, email us at info@drwolnik.com<\/a> or contact us online<\/a>!<\/p>\nConnect with Dr. Wolnik on Social Media and stay up-to-date on the latest news!<\/em><\/p>\nFacebook<\/a>\u00a0|\u00a0Twitter<\/a>\u00a0|\u00a0Google +<\/a>\u00a0|\u00a0YouTube<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Connect with Dr. Wolnik on Social Media and stay up-to-date on the latest news!<\/em><\/p>\n Facebook<\/a>\u00a0|\u00a0Twitter<\/a>\u00a0|\u00a0Google +<\/a>\u00a0|\u00a0YouTube<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"