A deductible is the amount you must pay on your insurance claim before your policy benefits take effect. In dental insurance, there will usually be an annual deductible for each individual in the insurance policy, as well as for your family.
How deductions work
Each policy has its own deduction requirements. Some deductions apply to all covered dental procedures, while others apply to individual services such as crowns or canals. If your first dental bill of the year is $200, you may have to pay the first $25 as a deductible before your policy benefits take effect. If you have 80-20 coinsurance, then you must pay the remaining 20 percent of the balance of $ 175 after the deduction is satisfied. After you satisfy the deduction in a calendar year, you don’t have to worry about it again until the next year.
Additional deductible details
Many dental insurances do not claim deductibles for routine diagnostic and preventive services. For example, if you only visit the dentist twice a year for routine cleaning and checkups, you may never have to pay a deduction. If your family has a $75 deduction, the cumulative deduction from three family members meets your annual obligations regardless of whether the additional family member needs dental care. Premiums and copayments are usually not included in the deductible.