{"id":369,"date":"2020-10-13T22:14:00","date_gmt":"2020-10-13T22:14:00","guid":{"rendered":"https:\/\/www.rauchberg.com\/blog\/?p=369"},"modified":"2020-11-17T22:17:29","modified_gmt":"2020-11-17T22:17:29","slug":"5-ways-maximize-dental-insurance-benefits-parsippany-dentist","status":"publish","type":"post","link":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/","title":{"rendered":"5 Ways to Maximize Your Dental Insurance Benefits"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370-300x200.jpg\" alt=\"Coins and model tooth symbolizing how to maximize dental insurance benefits\" class=\"wp-image-370\" srcset=\"https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370-300x200.jpg 300w, https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370-768x512.jpg 768w, https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370.jpg 800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n\n<p>You pay for your dental insurance every month and you know it\u2019s important to have, but are you making the most out of your investment? Most people are confused by dental insurance, and as a result, end up avoiding or overpaying for the care they need. Thankfully, understanding a few basic terms and concepts can help you save money while keeping your smile healthy! <a href=\"https:\/\/www.rauchberg.com\/request-an-appointment.html\">Your Parsippany dentist<\/a> shares five practical ways to maximize dental insurance.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">1.) Remember the 100-80-50 Rule<\/h2>\n\n\n\n<p>While every dental insurance policy is slightly different, most follow the same structure of coverage for certain types of care:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Preventive care <\/strong>like checkups, cleanings, and routine X-rays are usually 90-100% covered.<\/li><li><strong>Basic treatments <\/strong>such as gum disease treatment and fillings are typically covered at 70-80%.<\/li><li><strong>Major procedures <\/strong>including dental crowns and dentures are mainly covered up to 40-50%.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">2.) Ask for a Pre-Determination of Benefits<\/h2>\n\n\n\n<p>Before getting dental care that goes above and beyond a simple dental checkup and cleaning, it\u2019s a good idea to ask your dentist for a pre-determination of benefits. They\u2019ll submit an estimate of the cost of your treatment to your insurance company, who will process it and return a statement that breaks down what your policy covers. This way, you can avoid any unexpected unpleasant surprises when the time comes to pay for your dental care.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3.) Understand What Costs You\u2019re Responsible for<\/h2>\n\n\n\n<p>There are a few costs you are responsible paying for out of pocket, like:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Deductible: <\/strong>This is how much you\u2019ll need to pay for your dental care before your insurance starts to cover the cost of your treatments with the 100-80-50 structure.<\/li><li><strong>Premium:<\/strong> You\u2019ll need to pay a certain amount every month, quarter, or year to keep your insurance coverage active.<\/li><li><strong>Copay:<\/strong> Each time you visit your dentist, you\u2019ll need to pay a small set amount when you check in before your appointment.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">4.) Don\u2019t Let Your Annual Maximum Go to Waste<\/h2>\n\n\n\n<p>Once you pay your deductible, your dental insurance policy will begin paying for your treatments according to your plan\u2019s specific coverage. The most amount of money your insurance will cover for your care in a year is called your annual maximum. When the year ends, your deductible is reset and whatever you didn\u2019t use of your annual maximum will expire. To keep your benefits from going to waste, make sure you get the dental care you need before the year ends after you\u2019ve met your deductible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">5.) Take Advantage of Dental Checkups<\/h2>\n\n\n\n<p>Almost every dental insurance policy covers the cost of two dental checkups and cleanings twice a year. These quick, simple, and affordable appointments are the best way to treat oral health issues as early as possible or prevent them from developing in the first place. If you wait to see your dentist until your teeth hurt, you\u2019ll likely need to pay for more expensive treatments that could have easily been prevented!<\/p>\n\n\n\n<p>When you maximize your dental insurance benefits, you can save a lot of time and money while maintaining great oral health. If you\u2019d like to learn more about making the most of your benefits or other ways to pay for your dental care, don\u2019t hesitate to give your dentist a call.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Practice<\/h2>\n\n\n\n<p><em>Rauchberg Dental Group is proud to help the smiles of Parsippany and the surrounding communities achieve and maintain optimal oral health for life. Dr. Alan Rauchberg and his team of experienced specialists provide a wide range of services so your family can have all their dental needs cared for under one roof. They\u2019ll help you maximize your dental insurance or offer financing options through CareCredit to make your treatment as affordable as possible. To learn more, feel free to contact them via their <a href=\"https:\/\/www.rauchberg.com\/contact-us.html\">website<\/a> or at <strong>(973) 718-9887.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You pay for your dental insurance every month and you know it\u2019s important to have, but are you making the most out of your investment? Most people are confused by dental insurance, and as a result, end up avoiding or overpaying for the care they need. Thankfully, understanding a few basic terms and concepts can [&hellip;]<\/p>\n","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-369","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>5 Tips Maximize Dental Insurance Parsippany | Rauchberg Dental Group<\/title>\n<meta name=\"description\" content=\"Are you getting the most out of your dental insurance? Read on as your Parsippany dentist shares 5 great ways to maximize dental insurance benefits.\" \/>\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.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"5 Tips Maximize Dental Insurance Parsippany | Rauchberg Dental Group\" \/>\n<meta name=\"twitter:description\" content=\"Are you getting the most out of your dental insurance? Read on as your Parsippany dentist shares 5 great ways to maximize dental insurance benefits.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370.jpg\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/\"},\"author\":{\"name\":\"drrauchberg\",\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/#\\\/schema\\\/person\\\/32ac5f5d00493f839899364f3bb33266\"},\"headline\":\"5 Ways to Maximize Your Dental Insurance Benefits\",\"datePublished\":\"2020-10-13T22:14:00+00:00\",\"dateModified\":\"2020-11-17T22:17:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/\"},\"wordCount\":644,\"image\":{\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/AdobeStock_207357949__1604941284_82370-300x200.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/\",\"url\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/\",\"name\":\"5 Tips Maximize Dental Insurance Parsippany | Rauchberg Dental Group\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/AdobeStock_207357949__1604941284_82370-300x200.jpg\",\"datePublished\":\"2020-10-13T22:14:00+00:00\",\"dateModified\":\"2020-11-17T22:17:29+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/#\\\/schema\\\/person\\\/32ac5f5d00493f839899364f3bb33266\"},\"description\":\"Are you getting the most out of your dental insurance? Read on as your Parsippany dentist shares 5 great ways to maximize dental insurance benefits.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/AdobeStock_207357949__1604941284_82370.jpg\",\"contentUrl\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/AdobeStock_207357949__1604941284_82370.jpg\",\"width\":800,\"height\":533,\"caption\":\"Coins and model tooth symbolizing how to maximize dental insurance benefits\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/2020\\\/10\\\/13\\\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"5 Ways to Maximize Your Dental Insurance Benefits\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/\",\"name\":\"Rauchberg Dental Group\",\"description\":\"\",\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.rauchberg.com\\\/blog\\\/#\\\/schema\\\/person\\\/32ac5f5d00493f839899364f3bb33266\",\"name\":\"drrauchberg\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"5 Tips Maximize Dental Insurance Parsippany | Rauchberg Dental Group","description":"Are you getting the most out of your dental insurance? Read on as your Parsippany dentist shares 5 great ways to maximize dental insurance benefits.","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.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/","twitter_card":"summary_large_image","twitter_title":"5 Tips Maximize Dental Insurance Parsippany | Rauchberg Dental Group","twitter_description":"Are you getting the most out of your dental insurance? Read on as your Parsippany dentist shares 5 great ways to maximize dental insurance benefits.","twitter_image":"https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370.jpg","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/#article","isPartOf":{"@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/"},"author":{"name":"drrauchberg","@id":"https:\/\/www.rauchberg.com\/blog\/#\/schema\/person\/32ac5f5d00493f839899364f3bb33266"},"headline":"5 Ways to Maximize Your Dental Insurance Benefits","datePublished":"2020-10-13T22:14:00+00:00","dateModified":"2020-11-17T22:17:29+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/"},"wordCount":644,"image":{"@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370-300x200.jpg","inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/","url":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/","name":"5 Tips Maximize Dental Insurance Parsippany | Rauchberg Dental Group","isPartOf":{"@id":"https:\/\/www.rauchberg.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/#primaryimage"},"image":{"@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370-300x200.jpg","datePublished":"2020-10-13T22:14:00+00:00","dateModified":"2020-11-17T22:17:29+00:00","author":{"@id":"https:\/\/www.rauchberg.com\/blog\/#\/schema\/person\/32ac5f5d00493f839899364f3bb33266"},"description":"Are you getting the most out of your dental insurance? Read on as your Parsippany dentist shares 5 great ways to maximize dental insurance benefits.","breadcrumb":{"@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/#primaryimage","url":"https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370.jpg","contentUrl":"https:\/\/www.rauchberg.com\/blog\/wp-content\/uploads\/2020\/11\/AdobeStock_207357949__1604941284_82370.jpg","width":800,"height":533,"caption":"Coins and model tooth symbolizing how to maximize dental insurance benefits"},{"@type":"BreadcrumbList","@id":"https:\/\/www.rauchberg.com\/blog\/2020\/10\/13\/5-ways-maximize-dental-insurance-benefits-parsippany-dentist\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.rauchberg.com\/blog\/"},{"@type":"ListItem","position":2,"name":"5 Ways to Maximize Your Dental Insurance Benefits"}]},{"@type":"WebSite","@id":"https:\/\/www.rauchberg.com\/blog\/#website","url":"https:\/\/www.rauchberg.com\/blog\/","name":"Rauchberg Dental Group","description":"","inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.rauchberg.com\/blog\/#\/schema\/person\/32ac5f5d00493f839899364f3bb33266","name":"drrauchberg"}]}},"_links":{"self":[{"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/posts\/369","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/comments?post=369"}],"version-history":[{"count":1,"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/posts\/369\/revisions"}],"predecessor-version":[{"id":371,"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/posts\/369\/revisions\/371"}],"wp:attachment":[{"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/media?parent=369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/categories?post=369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rauchberg.com\/blog\/wp-json\/wp\/v2\/tags?post=369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}