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Understanding your dental insurance can help you make wiser choices for your oral health, and your wallet. In this edition, we're discussing coinsurance, an important part of your dental service cost. 

The role of coinsurance

Now that we've explained what coinsurance is, let's talk about how it impacts your wallet. Coinsurance plays a crucial role in determining your out-of-pocket expenses for dental treatments. The percentage you're responsible for can vary based on your specific insurance plan and the type of service you receive. Understanding this can help you budget for dental expenses and make informed decisions about your oral health.

Maximizing savings with coinsurance

Who doesn't like saving money? Coinsurance isn't just about paying your share; it's also about maximizing your benefits. By staying in-network and choosing dentists covered by your insurance plan, you can take full advantage of your coinsurance benefits. Additionally, scheduling regular preventive care appointments, like cleanings and check-ups, can help you catch issues early, potentially saving you from more extensive (and expensive) treatments down the road. To find an in-network dentist near you, click here to use our Find a Dentist tool.

Tips for navigating coinsurance like a pro

Here are some additional tips to help you navigate the world of coinsurance like a pro:

1. Know your plan: Take the time to review your insurance plan documents to understand your coinsurance percentage and any limitations or exclusions. If you are a Delta Dental member, you can access your complete Benefits Coverage Booklet, available by logging into DeltaDentalVA.com/members.
2. Ask questions: Don't hesitate to contact our customer service team if you need clarification about your coinsurance coverage. For assistance, our team can be reached during the following hours: Monday through Thursday, 8:15 a.m. to 6:00 p.m. and Fridays, 8:15 a.m. to 4:45 p.m. Call us at (800)237-6060.
3. Plan Ahead: If you're considering a major dental procedure, it’s recommended that you get an estimate of your out-of-pocket costs, including any coinsurance amounts that may apply. For any dental procedure that may cost more than $250, you can ask your dentist for a Predetermination of Benefits. The predetermination of benefits will tell you specifically what you and your insurance plan will cover before treatment begins, so there are no surprises.
4. Stay informed: Keep yourself updated on any changes to your insurance plan or coverage, especially regarding coinsurance rates or network dentists.

We hope this has helped shed some light on coinsurance. Understanding coinsurance can help you save money while keeping your smile bright and healthy!

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