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The coverage provided by dental insurance varies widely between plans. In most cases, your employer will offer one or more plans. The contract established between your employer and insurance provider determines the type of coverage available to you. Dental insurance can be incredibly complex. Figuring out what your insurance plan actually covers can seem overwhelming and is often frustrating, but most dental offices are happy to help you fully understand your coverage.

A Variety of Dental Insurance Plans

There are many providers of dental insurance, all of which offer different levels of coverage. Some of the dental insurance plans on the market include:

  • Delta Dental®
  • Aetna™
  • Guardian™
  • Humana
  • MetLife®
  • CIGNA Dental

How Dental Insurance Works

By purchasing a dental insurance plan, you enter into a contract with the company. They agree to pay certain amounts for certain procedures and you assume responsibility for what they do not cover. Generally, the terms of your coverage are spelled out in the contract. Different plans approach coverage in different ways. Some require you to reach a deductible before paying anything, while others pay a percentage immediately. Understanding the different terms associated with your insurance plan can help you figure out your coverage.

Deductible

A deductible is a minimum amount of money you need to pay towards dental care before your plan coverage starts.

Least Expensive Alternative Treatment (LEAT)

If your plan has a LEAT clause, the company will only pay for the least expensive treatment available for any given condition.

Annual Maximum

Many plans have a cap on how much money they will pay for any given treatment during the year. Anything over that amount becomes your responsibility. For example, if your plan has a annual maximum of $2,000 and your dental expenses exceed $3,000, you have to pay the additional $1,000. In some cases, you can raise your annual maximum to better suit your needs. There is usually a separate lifetime maximum for orthodontics.

Frequency Limitations

Some plans have limitations on how often they will cover a certain procedure. Generally, there is a set number of procedures permitted in a specific period. For example, most dental insurance plans will only cover two professional cleanings every 12 months, or one cleaning every six months.

Charleston Center for Cosmetic and Restorative Dentistry

Dr. John F. Rink is committed to personalized excellence in every smile. He has been practicing for over 35 years and is a member of the:

  • American Academy of Cosmetic Dentistry
  • American Dental Association
  • South Carolina Dental Association
  • Pankey Institute
  • American Academy of Oral Systematic Health (AAOSH)
  • American Academy of Dental Sleep Medicine (AADSM)

To learn more about our services or schedule a consultation, reach our practice online or call (843) 806-3972.

Understanding Your Benefits

If you are confused about your coverage, you can ask the staff at your dentist’s office to help you or call your insurance provider directly. You can also ask your provider for an Explanation of Benefits (EOB) which lists the procedures your plan does and does not cover. 

Making the Right Choice for You

When deciding whether to undergo a certain dental treatment, it is important to consider more than your insurance coverage. The least expensive treatment option may not be the right one for you. Be sure to discuss all aspects of your coverage and treatment plan with your dentist before making a decision.

Practice Policy Update Regarding COVID-19 View Update Virtual Consultation

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YOUR TREATMENT PLAN

To Our Family of Patients,

After much thought and concern for the health of our patients and team, I would like to share with you my thoughts on how the Coronavirus outbreak in the United States can best be managed at our practice. The key issue is prevention. Social distancing is the best solution at this time to prevent the spread of the virus.

Therefore, in conjunction with the South Carolina Dental Association recommendations, I have decided to close our normal practice operation with the exception of emergency and urgent care situations, through the end of March, 2020. I will be available for you and your family for emergency and urgent needs. Please call my personal cell phone if you have any questions or if you need an office visit. I am here for you.

After we have weathered this storm, we will be here to see that you continue to have the excellent care that you and your families deserve. We thank you for the trust that you place in our practice. We look forward to a long and healthy relationship in the future.

My cell phone number: 843-224-0517

To Your Good Oral and Systemic Health!

- Dr. John F. Rink, DDS, AAACD

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