Did you ever need to ask "what is a dental insurance maximum benefit" when you discovered that your dental insurance did not cover something and you are left with a large dental bill? Or, did you ever find that you needed quite a bit of dental work to get back in shape, but the insurance coverage was way short of what you needed? This is due to your yearly "Maximum Benefit". There are a few plans existing which do not have annual maximums, but they are few and far between. Most plans will include an annual maximum of anywhere between $ 200.00 to $ 4000.00.

Each time your dental office submits to your insurance company for services, the dollar amount paid out will be calculated against your yearly maximum. Once the insurance has paid out that maximum, you will not have any more insurance to use until your plan renews for the following year. In general, this is a reasonable approach to insurance companies paying out on claims. However, it is interesting to note that dental insurance has not made much of an attempt to keep up with inflation.

Dental insurance came about in the 1970's, and it was readily accepted and used. For some people, it was the first time dentistry seemed affordable. Since the exams and cleanings and xrays were generally covered at 100%, it was foolish not to have these services done every year. When / as / or if restorative work was needed (cavities found, etc.), there would be some cost to the patient, but the insurance company would help with a percentage of the cost. Here is the interesting part: the annual maximums were set around $ 1500.00 per year . Back in the 1970's, $ 1500.00 would cover quite a bit of dentistry; it … Read the rest

If you have crooked teeth, a overbite, or gaps in between your teeth, you may qualify for orthodontic treatment that can correct your bite and give you a straight smile. Many people mistakenly think that braces are only available for children, but in fact orthodontics can be used to benefit just about any age group. To determine whether or not orthodontic treatment may be the right option for you, it's helpful to first take a look at the types of problems that this treatment can solve, as well as what the various benefits of orthodontic treatment are. The first step towards any treatment is to sit down with your dentist for X-rays and a consultation, however.

There are numerous problems that orthodontics is meant to treat. Some of these can include gaps between the teeth, affected teeth, a overbite or underbite, or crooked teeth. If your smile does not line up correctly and you have a crooked bite, then gently moving the teeth through orthodontic treatment may get your teeth back in the right order, giving you a smooth, straight smile and a well-aligned bite. This full process can take anywhere from 18 months to three years for completion, although this number may vary on the individual.

Some of the methods used to do this include the use of traditional braces as well as other forms of movement brackets. The full-on headgear and rubber bands of the past are still used in extreme cases, but with the latest orthodontics methods on the market you can move your teeth without anyone notice in many cases. Some of the benefits of straightening your smile can include improving your self-confidence, and producing a better facial profile by realigning the jaws for cosmetic purposes.

Other benefits associated with orthodontics include the possibility of improving … Read the rest

Did you ever need to ask "what is a dental insurance maximum benefit" when you discovered that your dental insurance did not cover something and you are left with a large dental bill? Or, did you ever find that you needed quite a bit of dental work to get back in shape, but the insurance coverage was way short of what you needed? This is due to your yearly "Maximum Benefit". There are a few plans existing which do not have annual maximums, but they are few and far between. Most plans will include an annual maximum of anywhere between $ 200.00 to $ 4000.00.

Each time your dental office submits to your insurance company for services, the dollar amount paid out will be calculated against your yearly maximum. Once the insurance has paid out that maximum, you will not have any more insurance to use until your plan renews for the following year. In general, this is a reasonable approach to insurance companies paying out on claims. However, it is interesting to note that dental insurance has not made much of an attempt to keep up with inflation.

Dental insurance came about in the 1970's, and it was readily accepted and used. For some people, it was the first time dentistry seemed affordable. Since the exams and cleanings and xrays were generally covered at 100%, it was foolish not to have these services done every year. When / as / or if restorative work was needed (cavities found, etc.), there would be some cost to the patient, but the insurance company would help with a percentage of the cost. Here is the interesting part: the annual maximums were set around $ 1500.00 per year . Back in the 1970's, $ 1500.00 would cover quite a bit of dentistry; it … Read the rest

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