{"id":488,"date":"2026-01-07T02:27:30","date_gmt":"2026-01-07T02:27:30","guid":{"rendered":"https:\/\/www.gramercydentalstudio.com\/blog\/?p=488"},"modified":"2026-01-30T02:30:15","modified_gmt":"2026-01-30T02:30:15","slug":"things-you-should-know-about-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.gramercydentalstudio.com\/blog\/2026\/01\/07\/things-you-should-know-about-dental-insurance\/","title":{"rendered":"4 Things You Should Know About Dental Insurance"},"content":{"rendered":"
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Dental insurance can seem like a fickle thing if you don\u2019t know much about it. You may be worried about using it during your appointments and ending up with a big bill, but learning more about it can help you use your full benefits. Your Cigna and Aetna dentist<\/a> is here to help you understand it a bit more! Here are four things that you should know to feel confident about it all.<\/p>\n\n\n\n\n\n\n\n

Deductible<\/h2>\n\n\n\n

Many dental plans have an annual deductible that you will have to meet. In short, this is the amount you’ll pay out of pocket before your policy provides coverage for certain treatments. However, preventive care isn\u2019t usually included in it. So, you may be able to get your checkups and cleanings without worrying about getting an invoice for the entire service.<\/p>\n\n\n\n

Reimbursement Level<\/h2>\n\n\n\n

Your reimbursement level determines how much your provider is willing to pay for certain treatments after you reach your deductible. The exact coverage for you may be different, but many plans follow a 100-80-50 payment structure.<\/p>\n\n\n\n

If your plan is like this, then it means they will cover 100% of preventive care, 80% of basic services (like dental fillings), and 50% of major ones (such as crowns). The best way to know what’s true for you is by talking to your insurance directly or partnering with your dentist’s front desk team.<\/p>\n\n\n\n

Yearly Maximum<\/h2>\n\n\n\n

As you start using your benefits, the total that your insurance will pay toward your dental care is your yearly maximum. So, once you reach it, then you’ll have to start paying out-of-pocket once again. While this typically resets on January 1st<\/sup>, your deductible does as well. You’ll need to reach the latter again, but the former will be zeroed out, meaning you can get coverage once again.<\/p>\n\n\n\n

Coinsurance & Co-Payments<\/h2>\n\n\n\n

Usually, an insurance plan won\u2019t have both of these, but rather one or the other. Here\u2019s what you need to know about them:<\/p>\n\n\n\n