If you’ve ever found yourself searching “How does dental insurance work?” then you’re not alone. Most people only think about their benefits when something hurts or the calendar is about to run out.
At Affordable Dental East, Dr. Erik Lund and our team are here to help you understand how your coverage works before it resets, so you can get the most value out of every benefit you’re already paying for.
Use Your Benefits in Indy Before They Disappear
Here’s the biggest secret in dental insurance: most plans operate on a use-it-or-lose-it schedule. When January 1st rolls around, any unused benefits vanish. That means if you’re due for a cleaning, have been putting off a dental filling, or need follow-up care, now’s the perfect time to schedule your visit at our east Indianapolis dental office.
Preventive Visits Are Covered and Convenient
Most dental plans cover preventive care at or near 100%, including:
- Exams
- Cleanings
- X-rays
That means your routine visits at Affordable Dental East are likely already paid for. These appointments help us catch small problems early, long before they turn into big issues that require more extensive treatment. Plus, with our convenient location on the east side of Indianapolis, staying on track is easier than ever.
How Does Dental Insurance Work?
A major part of understanding how dental insurance works is getting familiar with two key details:
Your Deductible
This is the amount you pay before your insurance kicks in. Dental deductibles are usually pretty low, which is great news for your wallet. Once you meet yours, your out-of-pocket costs go down significantly.
The 100/80/50 Coverage Breakdown
Many plans follow this simple structure:
- 100% for preventive care
- 80% for basic services (like fillings)
- 50% for major services (like crowns or bridges)
Knowing where you fall in the year can help you decide whether to complete needed treatments now or plan strategically for next year.
Let’s Make the Most of Your 2025 Benefits
Longtime patient or new to the east Indy community? Give us a call! Dr. Lund and our team are committed to helping you understand your insurance, stretch your benefits and keep your smile healthy. If you’re unsure what your plan covers or how much you have left for the year, we’re always happy to help you navigate the details.
Don’t let your benefits disappear with the winter chill. Schedule your visit today and make the most of your dental coverage before it resets!