Understanding dental insurance can feel overwhelming — but knowing how to use your benefits wisely can help you save money and keep your smile healthy. Jacquiselyn Story, director of the UAB Dentistry Business Office, shares key insights to help patients navigate their dental plans and avoid unexpected costs.

"Dental insurance is great for maintaining good oral health, but it’s important to know what your plan covers and what it doesn’t," said Story. "Being proactive can make a big difference in your dental care and your wallet."

Know your plan basics

First, it’s important to understand a few key terms commonly found in dental insurance plans:

• Premium: The amount you pay monthly for your insurance.
• Deductible: The amount you pay out-of-pocket before insurance starts to share costs.
• Co-pay or co-insurance: The percentage or flat fee you pay for certain services.
• Annual maximum: The total amount your insurance will pay in a year.

"Many dental plans cover preventive services like cleanings at 100%, but treatments like fillings, crowns, or root canals often have co-pays," Story explained. "So knowing these details can help you plan for the year ahead."

Take advantage of preventive care

Most dental insurance plans fully cover two preventive visits per year — including cleanings, exams, and X-rays.

"Preventive care is one of the smartest ways to use your benefits," Story noted. "It helps catch problems early, when treatment is simpler and less expensive."

Skipping cleanings and exams could mean missing out on covered services you've already paid for through your premiums.

Don’t let benefits go unused

Many plans have an annual maximum benefit amount — and unused benefits often do not roll over to the next year.

"If you need treatment, it’s a good idea to schedule it before the end of your plan year so you can use those benefits," Story said. "Waiting could mean higher out-of-pocket costs later on."

Planning early, especially for larger treatments, can help patients spread out costs, including any co-pays and deductibles, while maximizing their insurance coverage.

Ask questions and stay informed

Insurance plans can vary widely between employers and carriers. Story encourages patients to review their policy documents and reach out to their provider if they have questions.

"Our team is here to help our UAB Dentistry patients understand their benefits and make informed choices about their care," she said. "The more you know about your coverage, the better you can plan for a healthy smile."