Dental benefits help you save money and keep your mouth healthy, but there are times you may pay out-of-pocket expenses; such as:
1. You visit a dentist who is out-of-network.
You’re free to see any dentist, but you may have lower out-of-pocket costs when you visit an in-network dentist. 98% of South Dakota dentists belong to a Delta Dental network.
2. You haven’t met your deductible.
A deductible is the amount you’ll pay for treatment before your benefits help cover the costs. Deductibles usually apply to treatment procedures, not cleanings and exams.
3. You’ve exceeded your annual maximum.
An annual maximum is the total dollar limit your dental plan will pay in a year. If you’ve exceeded your annual maximum, you are responsible for all treatment expenses until your plan resets for another year.
4. Your plan doesn’t cover a certain treatment.
Coverage depends each plan’s specific design, so not all treatments may be covered. Check with Human Resources for a summary of plan benefits.