Unless you work for an insurance company, you probably do not spend a lot of your time studying all of the terminology that dental insurance companies use to describe the treatments and services that they cover. If it seems pretty confusing, here are some of the most commonly used dental insurance terms and what they mean.A Basic Glossary
- Annual Maximum. The maximum yearly amount your policy will pay for your care.
- Co-payment. The amount the patient pays at the time of service before insurance pays.
- Covered Services. A list of all covered treatments, services and procedures.
- Deductible. The yearly out of pocket dollar amount you must pay.
- Diagnostic/Preventive Services. Covered treatments before the deductible.
- In-Network. Services covered at a larger portion by contracted providers.
- Lifetime Maximum. The maximum covered amount that will be paid out.
- Limitations/Exclusions. Procedures not covered by your policy.
- Member/Insured/Covered Person/Beneficiary/Enrollee. Eligible person for benefits.
- Provider. Health care person that provides treatment.
- Waiting Period. Specified time the patient must wait before coverage begins.
There are many different insurance options available, so you need to find out exactly what your insurance covers. It's important to review your plan with a qualified insurance specialist. Don't be afraid to ask questions about the policy so that you can understand it fully and be confident that you know everything that your policy covers the next time that you come in for treatment. If you have additional questions or are in need of an appointment, call our office at 918-455-0123!
God Bless,
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