Budgeting Tips for Your Next Dental Procedure

A thorough dental routine can help prevent expensive dental procedures, but sometimes, dental care can be costly. Dental insurance aims to help cover the cost of treatment. Most plans cover all or most of your preventive care such as cleanings and checkups and basic treatments. Every once in a great while, you may need more extensive treatment such as a root canal or crown. Cost for these services can vary significantly depending on the severity of your condition, the region you live in, and whether you are visiting a Delta Dental network dentist.

Here are a few ways you can plan ahead and budget for your out-of-pocket expenses:

1. Expect the unexpected.

You can’t always predict your health, but you can save for it. Consider looking into a Flexible Spending Account to help set aside money for future care. Medical Savings Accounts and Health Savings Accounts may be an option if you are enrolled in a high deductible plan. Think of these as savings accounts for dental and health expenses.

2. Get it in writing.

Transparency is key. Ask your dentist to itemize each treatment so you know the exact cost of each procedure.

Your insurance provider may also provide a predetermination of benefits, which can tell you what your benefits will cover and what you may owe out-of-pocket. You can always look up cost estimates on our website by logging into your account at any time.

3. It never hurts to ask.

If you are worried about the cost of the dentist’s prescribed treatment plan, discuss it with him or her. There might be less expensive care options or payment plans available. Others may offer financing options so you don’t have to pay for everything up front.

Remember, preventive dental care, healthy day-to-day brushing and flossing routines, and planning ahead can help you be prepared in case the unexpected happens.