When was the last time you went to the dentist? If it has been over 6 months, you’re overdue for a cleaning and checkup. Now, you can get the comprehensive care you need for minimal expense using your dental insurance. Choosing a MetLife dentist, like Dr. Sara E. Curcio, will allow you to reach and maintain your oral health goals without costing you an arm and a leg.
Although you may think your medical and dental insurance work the same, they are quite different. Dental insurance maintains a tighter focus on prevention to lower overall oral health expenses. Semi-annual appointments lessen the risk of preventable issues, like tooth decay and gum disease. This reduces the need for a costly treatment down the road. In fact, spending $1 on prevention can save you $8 to $50 on restorative and emergency care.
Every month you pay premiums for your coverage, which gives you access to the services you need to keep your teeth and gums healthy. Unfortunately, an issue can still occur over time. You can quickly rehabilitate your smile because you’re given a yearly allowance for restorative care after paying your annual deductible. If there’s a time when a treatment exceeds your annual benefits, we’ll work with you to keep it within your budget, even if we have to split treatments across calendar years.
Although every policy is different, your coverage may include:
MetLife insurance recommends you choose a dentist who is in their network, like Dr. Curcio. She has pre-negotiated rates with the company to lower the amount you need to pay, but you still have the freedom to visit any dentist who accepts your insurance. Dr. Curcio will help you maximize your benefits if you’re out-of-network.
At the end of the year, your benefits will expire. You won’t be refunded for any unused coverage. With less than 3% of Americans exceeding or meeting their annual allowance, we don’t want to see you lose valuable savings opportunities. We work on your behalf with the insurance carrier to maximize your annual benefits.
When you walk into our office, you’re greeted by our team at the front desk, including Ginger. She offers more than just a warm smile. She also helps you understand how your dental insurance is used to pay for your treatments. She’ll file the necessary claims and paperwork, so you have one less thing to worry about. She’ll take the time to explain how your coverage is used and if there’s a remaining balance.
Ginger will explain all your payment options to keep our services affordable. Besides traditional methods, we also accept third-party financing with CareCredit. You’re given the funds you need, which you repay using a plan that accommodates your budget. She’ll help you find the best solutions to get a healthy smile for little out-of-pocket cost.
If it’s time for your next appointment, don’t wait. Contact our office today!