Dental Care and Group Benefits

Posted May 29th, 2012 in articles by admin

Most Group Benefits plans has at least some level of dental care because it’s an important part of a person’s overall health and most of us are used to visiting the dentist every six months.

When looking at the quality of a dental plan, it’s important to consider what the most often utilized service are.

Many plans will have 6 month recall visits to the dentist. This includes scaling, cleaning and x-rays once a year. You have to be careful though, because many plans will only have recall visits every nine months in an effort to save money. This isn’t necessarily bad because there is plenty of studies out there that show that a visit to the dentist’s every nine months is just as effective as every 6 months.

Some Group Benefits plans will also only cover basic procedures such as regular fillings, root canals and extractions. Endodontics, orthodontics (braces, retainers) and bridges are only covered by the most generous plans and even then, usually only up to 50% of costs with a lifetime maximum of up to a few thousand dollars.

When getting major dental work done, it can make sense to ask for a quote from the dentist so that you can send it in to your group benefits provider and see if it’s covered and for how much.

It’s also a good idea to let your dentist know what you’re covered for and what you’re not covered for because it might affect how he or she goes about your treatment.

Because most of us don’t remember everything we’re covered for off hand, it’s not a bad idea for you to bring your employee booklet with you when you visit the dentist. The dentist is more likely to understand the technical lingo associated with his or her profession and once he/she knows exactly what you’re covered for, he/she can devise the treatment that’s right for you.