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How to Make the Most of Dental Insurance Benefits for Your Family

Navigating the world of dental insurance can be challenging, but maximizing your family’s benefits doesn’t have to be complicated. With the right strategy and a bit of planning, you can minimize out-of-pocket costs while ensuring every family member receives the dental care they need. Here are some valuable tips to help you make the most of your dental insurance benefits.

1. Understand Your Coverage

Start by thoroughly reviewing your policy documents or reaching out to your insurance provider. Learn what treatments are covered and the specific limitations. Understanding the annual coverage limits, deductibles, and co-pay percentages can help you budget and plan accordingly.

2. Schedule Regular Preventive Care

Most dental insurance plans fully or heavily cover preventive services like cleanings, checkups, and X-rays. By scheduling these regular appointments, you not only maintain good oral health but also detect potential issues before they escalate into more expensive problems.

3. Plan Around Your Annual Benefits

Dental insurance benefits are usually reset annually. To avoid leaving money on the table, aim to schedule treatments that require multiple visits well before the end of the year. For example, if your child needs orthodontic work or crowns, consider starting the process earlier to make full use of your benefits.

4. Use Flexible Spending Accounts

If your employer offers a Flexible Spending Account (FSA) or Health Savings Account (HSA), contribute to these pre-tax funds. They can help cover dental expenses like orthodontics, fillings, and deductibles, reducing your taxable income and overall expenses.

5. Confirm Network Dentists

Insurance networks can significantly impact out-of-pocket expenses. Confirm whether your family dentist is in-network to access better rates. If you need a specialist referral, ask your dentist to refer you to someone in-network.

6. Appeal Denied Claims

Don’t automatically accept a denied claim. Many insurance companies have a process for appealing decisions, and it could be worth the effort if the claim is significant. Provide your insurer with detailed information from your dentist to support your case.

7. Explore Secondary Insurance

If you’re covered by two dental plans (e.g., both spouses have separate coverage through their employers), check how the secondary policy can cover additional costs. Coordination of benefits rules can help minimize expenses beyond the primary insurance.

8. Communicate with Your Dentist

Your dentist’s office can be a valuable ally in understanding your coverage. They often have experience working with insurance providers and can give you insights on maximizing benefits or submitting claims.


Maximizing your family’s dental insurance benefits requires a strategic approach, but it’s well worth it. From understanding coverage to scheduling preventive care and appealing denied claims, these tips will help ensure your family receives high-quality dental care without straining your budget.

Our dental office in Okotoks accepts dental insurance and provides direct billing and welcomes your whole family into our practice.

Contact us to set up an appointment.