In part 1 and 2 of this series we described how a dental plan works, what type of services are covered, key terms and how two insurances really work together, so you can start narrowing down your plan options. In this issue we will break down what costs to consider when comparing your plan options to make the final determination of which plan is right for you and what other options you have for keeping your smile in tip-top shape.
Deductible, Coinsurance and Copay
These are all considered out of pocket expenses in addition to the monthly or yearly premium you pay for the plan.
Deductible: The amount you need to pay before your plan will contribute towards care. Deductibles can be specified that each individual covered must meet a certain amount or as a group, make sure you are aware which it is because the difference could increase your total costs.
Coinsurance: is a fixed percentage of a treatment cost you share with your dental plan.
Copay: is the flat fee you pay for treatments and services at every visit. Typically copays are paid at the time care is received and the amount is usually printed on your card. Copays do not count towards your deductible or coinsurance.
Is there another option?
Yes! There is one more option we have for your consideration.
The Merrimack Smiles Dental Benefit Plan
We created our three prevention based plans with our patients in mind because we understand how important your oral health is to your total body health. Our plan has:
NO Deductibles NO Annual Maximums NO Coinsurance
NO Exclusions NO Copays NO Waiting Periods
Provides a fixed percentage off all treatment- NO Limitations
A full breakdown of what the plan includes and the cost can be found on our website.
We hope you found the information presented in this series beneficial. As always if you have a question about what you are seeing when choosing the plan right for you this year, give us a call! We will happily answer any and all questions you may have.