{"id":820,"date":"2023-07-20T05:41:00","date_gmt":"2023-07-20T05:41:00","guid":{"rendered":"https:\/\/www.washingtondentalnj.com\/blog\/?p=820"},"modified":"2023-07-20T05:41:00","modified_gmt":"2023-07-20T05:41:00","slug":"the-basics-of-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/","title":{"rendered":"4 Basics to Remember About Dental Insurance"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><a href=\"https:\/\/www.washingtondentalnj.com\/blog\/wp-content\/uploads\/2023\/08\/AdobeStock_167875584__2___1691689174_33569-1.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.washingtondentalnj.com\/blog\/wp-content\/uploads\/2023\/08\/AdobeStock_167875584__2___1691689174_33569-1.jpg\" alt=\"A couple talking to their dentist about dental insurance\" class=\"wp-image-822\" width=\"302\" height=\"201\"\/><\/a><\/figure>\n<\/div>\n\n\n<p>At this point, you may need to get <a href=\"https:\/\/www.washingtondentalnj.com\/dental-insurance.html\">dental insurance<\/a>. The service would certainly make your oral care more affordable. Still, perhaps you don\u2019t know much about how it works. You might even worry that you\u2019ll choose a bad policy. Luckily enough, though, learning the basics of dental insurance isn\u2019t a hard process. Your Bergenfield dentist can even teach you a few of them. To that end, here are four crucial facts to remember when considering dental plans.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">It Mainly Covers Preventive Care<\/h2>\n\n\n\n<p>As you shop for a dental plan, remember that most are prevention-focused. The typical policy fully covers oral exams, cleanings, etc. Given this fact, insurance is geared toward essential oral care.<\/p>\n\n\n\n<p>Meanwhile, many policies don\u2019t help much with restorative and cosmetic works. The co-pays for such procedures are high, and the annual coverage amounts are low. That means your out-of-pocket expenses will increase.<\/p>\n\n\n\n<p>With all this in mind, consider your needed services when purchasing coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">HMOs are Cheaper than PPOs<\/h2>\n\n\n\n<p>At first glance, PPOs have an advantage over HMOs. The former plans let you see out-of-network dentists. However, HMOs have their own financial upside.<\/p>\n\n\n\n<p>Ultimately, an HMO is the cheaper of the two options. That\u2019s mainly because it restricts you to in-network dental providers. To make this reduced flexibility bearable, it offers lower monthly premiums and co-pays. The result is a policy with less wiggle room but more potential long-term savings.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dental Plans Have Waiting Periods<\/h2>\n\n\n\n<p>Right after buying dental insurance, you may want oral care immediately. Even so, getting treatment so quickly isn\u2019t the wisest move.<\/p>\n\n\n\n<p>The truth is that dental plans have built-in waiting periods. In other words, you\u2019ll have to hold back a while before your coverage takes effect. The waiting time for preventive care is normally short, while restorative or cosmetic work can extend to 3 months.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Coverage Doesn\u2019t \u201cRoll Over\u201d<\/h2>\n\n\n\n<p>In a good dental plan, your annual allowance covers two six-month checkups and teeth cleanings. It\u2019s vital that you use them all before the year\u2019s end. Otherwise, you\u2019ll be wasting your insurance.<\/p>\n\n\n\n<p>You see, insurance coverage doesn\u2019t \u201croll over\u201d from one year to the next. Unused allowances expire when January comes back around. That being the case, letting your benefits gather dust isn\u2019t cost-effective.<\/p>\n\n\n\n<p>Granted, the items above don\u2019t cover all the basics of dental insurance. They do, though, make for a good start. Therefore, memorize them before you go looking for a new policy!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Practice<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.washingtondentalnj.com\/\"><em>Washington Dental Associates<\/em><\/a> <em>is<\/em><em> based in Bergenfield, NJ. Led by <a href=\"https:\/\/www.washingtondentalnj.com\/meet-the-doctors.html\">its top-tier dental team<\/a>, our practice takes a personal approach to dentistry. That means we go above and beyond to ensure each patient gets their dream smile! In particular, our team offers preventive, cosmetic, and restorative services, as well as emergency dental procedures. For more information or to book a visit, you can reach us on <\/em><a href=\"https:\/\/www.pioneerperiodontics.com\/contact.html\"><em>our website<\/em><\/a><em> or by phone at <strong>(201)-453-4863.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"At this point, you may need to get dental insurance. The service would certainly make your oral care more affordable. Still, perhaps you don\u2019t know much about how it works. You might even worry that you\u2019ll choose a bad policy. Luckily enough, though, learning the basics of dental insurance isn\u2019t a hard process. Your Bergenfield dentist can even teach you a few of them. To that end, here are four crucial facts to remember when [&hellip;] <a class=\"read-more\" href=\"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/\">(Read More)<\/a>","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-820","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4 Vital Basics of Dental Insurance | Washington Dental Associates<\/title>\n<meta name=\"description\" content=\"Do you need to find out the basics of dental insurance? In that case, learn about them from your local Bergenfield dentist in this article.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"4 Vital Basics of Dental Insurance | Washington Dental Associates\" \/>\n<meta property=\"og:description\" content=\"Do you need to find out the basics of dental insurance? In that case, learn about them from your local Bergenfield dentist in this article.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Washington Dental Associates Blog\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-20T05:41:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.washingtondentalnj.com\/blog\/wp-content\/uploads\/2023\/08\/AdobeStock_167875584__2___1691689174_33569-1.jpg\" \/>\n<meta name=\"author\" content=\"washingtondent\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"washingtondent\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/\"},\"author\":{\"name\":\"washingtondent\",\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/#\\\/schema\\\/person\\\/d33b2941bb9aeed9f683aea421a67d94\"},\"headline\":\"4 Basics to Remember About Dental Insurance\",\"datePublished\":\"2023-07-20T05:41:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/\"},\"wordCount\":499,\"image\":{\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/AdobeStock_167875584__2___1691689174_33569-1.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/\",\"url\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/\",\"name\":\"4 Vital Basics of Dental Insurance | Washington Dental Associates\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/AdobeStock_167875584__2___1691689174_33569-1.jpg\",\"datePublished\":\"2023-07-20T05:41:00+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/#\\\/schema\\\/person\\\/d33b2941bb9aeed9f683aea421a67d94\"},\"description\":\"Do you need to find out the basics of dental insurance? In that case, learn about them from your local Bergenfield dentist in this article.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/AdobeStock_167875584__2___1691689174_33569-1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/AdobeStock_167875584__2___1691689174_33569-1.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/2023\\\/07\\\/20\\\/the-basics-of-dental-insurance\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"4 Basics to Remember About Dental Insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/\",\"name\":\"Washington Dental Associates Blog\",\"description\":\"\",\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/#\\\/schema\\\/person\\\/d33b2941bb9aeed9f683aea421a67d94\",\"name\":\"washingtondent\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ff45ef50bc9150b8157f1c9947da85bd12ae391660220d3f5203959da00476c2?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ff45ef50bc9150b8157f1c9947da85bd12ae391660220d3f5203959da00476c2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ff45ef50bc9150b8157f1c9947da85bd12ae391660220d3f5203959da00476c2?s=96&d=mm&r=g\",\"caption\":\"washingtondent\"},\"url\":\"https:\\\/\\\/www.washingtondentalnj.com\\\/blog\\\/author\\\/washingtondent\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"4 Vital Basics of Dental Insurance | Washington Dental Associates","description":"Do you need to find out the basics of dental insurance? In that case, learn about them from your local Bergenfield dentist in this article.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/","og_locale":"en_US","og_type":"article","og_title":"4 Vital Basics of Dental Insurance | Washington Dental Associates","og_description":"Do you need to find out the basics of dental insurance? In that case, learn about them from your local Bergenfield dentist in this article.","og_url":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/","og_site_name":"Washington Dental Associates Blog","article_published_time":"2023-07-20T05:41:00+00:00","og_image":[{"url":"https:\/\/www.washingtondentalnj.com\/blog\/wp-content\/uploads\/2023\/08\/AdobeStock_167875584__2___1691689174_33569-1.jpg","type":"","width":"","height":""}],"author":"washingtondent","twitter_card":"summary_large_image","twitter_misc":{"Written by":"washingtondent","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/#article","isPartOf":{"@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/"},"author":{"name":"washingtondent","@id":"https:\/\/www.washingtondentalnj.com\/blog\/#\/schema\/person\/d33b2941bb9aeed9f683aea421a67d94"},"headline":"4 Basics to Remember About Dental Insurance","datePublished":"2023-07-20T05:41:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/"},"wordCount":499,"image":{"@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.washingtondentalnj.com\/blog\/wp-content\/uploads\/2023\/08\/AdobeStock_167875584__2___1691689174_33569-1.jpg","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/","url":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/","name":"4 Vital Basics of Dental Insurance | Washington Dental Associates","isPartOf":{"@id":"https:\/\/www.washingtondentalnj.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/#primaryimage"},"image":{"@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/#primaryimage"},"thumbnailUrl":"https:\/\/www.washingtondentalnj.com\/blog\/wp-content\/uploads\/2023\/08\/AdobeStock_167875584__2___1691689174_33569-1.jpg","datePublished":"2023-07-20T05:41:00+00:00","author":{"@id":"https:\/\/www.washingtondentalnj.com\/blog\/#\/schema\/person\/d33b2941bb9aeed9f683aea421a67d94"},"description":"Do you need to find out the basics of dental insurance? In that case, learn about them from your local Bergenfield dentist in this article.","breadcrumb":{"@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/#primaryimage","url":"https:\/\/www.washingtondentalnj.com\/blog\/wp-content\/uploads\/2023\/08\/AdobeStock_167875584__2___1691689174_33569-1.jpg","contentUrl":"https:\/\/www.washingtondentalnj.com\/blog\/wp-content\/uploads\/2023\/08\/AdobeStock_167875584__2___1691689174_33569-1.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.washingtondentalnj.com\/blog\/2023\/07\/20\/the-basics-of-dental-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.washingtondentalnj.com\/blog\/"},{"@type":"ListItem","position":2,"name":"4 Basics to Remember About Dental Insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.washingtondentalnj.com\/blog\/#website","url":"https:\/\/www.washingtondentalnj.com\/blog\/","name":"Washington Dental Associates Blog","description":"","inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.washingtondentalnj.com\/blog\/#\/schema\/person\/d33b2941bb9aeed9f683aea421a67d94","name":"washingtondent","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/ff45ef50bc9150b8157f1c9947da85bd12ae391660220d3f5203959da00476c2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ff45ef50bc9150b8157f1c9947da85bd12ae391660220d3f5203959da00476c2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ff45ef50bc9150b8157f1c9947da85bd12ae391660220d3f5203959da00476c2?s=96&d=mm&r=g","caption":"washingtondent"},"url":"https:\/\/www.washingtondentalnj.com\/blog\/author\/washingtondent\/"}]}},"_links":{"self":[{"href":"https:\/\/www.washingtondentalnj.com\/blog\/wp-json\/wp\/v2\/posts\/820","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.washingtondentalnj.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.washingtondentalnj.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.washingtondentalnj.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.washingtondentalnj.com\/blog\/wp-json\/wp\/v2\/comments?post=820"}],"version-history":[{"count":0,"href":"https:\/\/www.washingtondentalnj.com\/blog\/wp-json\/wp\/v2\/posts\/820\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.washingtondentalnj.com\/blog\/wp-json\/wp\/v2\/media?parent=820"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.washingtondentalnj.com\/blog\/wp-json\/wp\/v2\/categories?post=820"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.washingtondentalnj.com\/blog\/wp-json\/wp\/v2\/tags?post=820"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}