How Does Lincoln Dental Insurance Work?
You know that having insurance coverage on your home and your car helps you pay for unexpected problems and damage. Dental insurance allows you to receive helpful dental treatment without having to pay for all of it yourself. Lincoln Dental Insurance helps you pay for dental care and not only when you have a dental problem. Coverage amount and conditions depend on the specifics within your individual plan. Generally, Lincoln Dental Insurance helps you to care for your teeth by making it more accessible and affordable for you. As a result, you are able to maintain good dental health while avoiding being overwhelmed by the cost of dental procedures and treatments.
To start your Lincoln Dental Insurance plan, you will be required to pay a premium in order for to stay enrolled in your policy. The premium is the amount you pay toward your Lincoln Dental Insurance policy; this can be a monthly or quarterly payment.
For most Lincoln Dental Insurance plans, you will have an annual deductible. In insurance terms, a deductible is the amount of money you pay for treatments before your insurance starts to pay. In most policies, preventative care is not included in the deductible, so the policy will completely cover those appointments. After your deductible is met, the plan shares costs with you by percentage.
Lincoln Dental Insurance's plans break dental care into three categories: preventive, basic, and major. Preventive services are usually covered at 100% when you are receiving treatment from a dentist who is an in-network provider. They include cleanings, exams, and diagnostic X-rays for you. By keeping up with the preventative services, you can avoid trouble down the road by addressing a small problem when it is still small.
Basic services usually refer to fillings, extractions, and gum disease treatment. Most Lincoln Dental Insurance plans cover about 70% to 80% of the total cost. Major services include crowns, bridges, dentures, and sometimes dental implants. These are still covered, but at a lower percentage, around 50. Your specific plan may have slightly different percentages, but you can have a general idea of the coverage before you choose the best plan for you.
When choosing which dentist you want to provide your treatment to, you should review which dentists are in network for your policy. Lincoln has a large number of dentists as part of its provider network, and Lincoln has negotiated rates for a network discount. You are always able to seek treatment from out-of-network providers, but you may pay a higher deductible and coinsurance, and may need to file a claim yourself.
Every Lincoln Dental Insurance plan has an annual maximum, or the most your plan will pay for covered dental care in a year. If you have a year when your dental treatments have caused you to hit your yearly limit before the end of the year, you must cover all of your dental care expenses until your benefit year is over. Take time to note when your benefit year starts and stops, and what your annual maximum is.
If you have more questions about Lincoln Dental Insurance or how it could work as a part of your treatment plan to achieve better dental health, reach out to the dentist to see if Lincoln Dental Insurance is the best option for you.
Learn about our payment and financing options here.