Category: Dental Insurance in Houston
Understanding Dental Insurance in Houston
Understanding any kind of insurance can be confusing and frustrating – especially dental insurance. You may be thinking it’s just like medical insurance, but that is far from the truth. Let us explain. Dental Insurance: What Does “Maximum” Mean? When referring to medical insurance, “maximum” generally refers to the maximum amount you would have to pay out-of-pocket per calendar year. For example, if you have an out-of-pocket maximum of $2,000, once you have spent a total of $2,000 on deductibles, copayments and coinsurance, your health plan will pay a 100% of covered benefits. Now, when referring to “maximum” in regards to dental insurance, it’s a completely different ball game. Generally, most dental insurances have maximums of $1,500 to $3,000. If you have a maximum of $2,000, this means your dental insurance will only pay up to $2,000 for any given covered dental treatment. After this maximum is met, you are…