What have you missed the most with Covid 19 closings and restrictions? Ruth and I had lunch with respectable “social distancing”. We talked about what we missed most and what others have shared that they’ve missed.
The top of many lists is a haircut! I don’t think the closings enhanced anyone’s hair style – men or women. Appointments are being set and some are getting their haircut with a mask on (not real sure how that works). Doesn’t it feel good to have that long overdue haircut? Really makes you appreciate having some a sense of normalcy. I missed my six (6) month dental checkup and I’m glad my dental office is re-scheduling appointments. Some have dental procedures that had to be delayed or conditions that are lingering and need attention. Even though being able to get these repairs taken care of is welcomed, there is the cost of the repairs and cleanings. You may be fortunate and have dental insurance to help cover these costs. Or you may be retiring, losing your employee benefits or just never had dental insurance and paying the entire cost - $$$. If so, you may be wondering what dental insurance options you have – what it covers, how it works and what will it cost you. All dental plans are not the same. Know what benefits you have and how much you’ll owe before you go to the dentist. Here are some questions to ask when looking for dental insurance or reviewing what you have. Most dental plans include three (3) types of services – preventive, minor and major. The services included in each of these categories varies from plan to plan and company to company. Preventive includes having your teeth cleaned/exam twice a year and x-rays once a year. Minor services may include fillings, root canals, periodontics, extractions and oral surgery. Major services may include crowns, implants, partials and dentures. What services does your plan cover? How much does the insurance company pay for each of these services? The amount or percent a plan pays for each of these services varies. Does your plan pay 100% for preventive? Before or after a deductible? Minor services typically are paid at 80% and you pay 20%. Major services typically are paid at 50% and you pay 50%. What is the deductible? Do you have to pay the deductible before the insurance company pays for any service? Can you go to the dentist as soon as your plan is effective, or do you have to wait to use it? If so, how long? What is the annual benefit amount the insurance company will pay for your dental services? The annual benefit may vary from $1000, $1300 or $1500. Does your plan have a “rollover benefit”? How does it work? Does your dentist accept the plan? How much is it going to cost you when you go to the dentist? Let’s talk -call me at 501-868-6650 and say “Caroline, can we talk about my teeth?”
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AuthorCaroline Beauchamp specializes in personalized life and health insurance solutions. Archives
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