Dr. Cheloha's Blog


Understanding Dental Insurance

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understanding dental insurance dentist scottsbluffSo, you’ve got dental insurance—but what does that mean? What can you do with it? What can it do for you? Before calling to make an appointment with a Scottsbluff NE dentist, take a moment to explore your dental insurance plan. Here’s what you should know:

  • When does your benefit year start and end? Some dental insurance plans offer a calendar benefit year—meaning that your benefits start on January 1 and end on Dec 31. However, if your benefits are based on a rolling calendar year, then your benefits are in effect for 12 months from the date of each procedure—no matter when that occurs during the year.
  • What happens to unused benefits? At the end of your calendar year or rolling year, your unused benefits are likely to be forfeited. This means that you must use-or-lose your insurance benefits in any given period.
  • How long is the pre-treatment estimate valid? If you need to have a procedure done and have asked the dentist to send off a pre-treatment estimate to your insurance company, then the estimate may only be valid for a brief period of time. Some insurance plans will honor the estimate for 6 months, and some will honor it for 12 months. To lock in the rate that your insurance company has agreed to, be sure to schedule your treatment within the appropriate time frame.
  • What is the maximum annual benefit? To avoid forfeiting unused benefits, get familiar with your annual maximum. The average dental plan offers a $1000-2500 benefit each year, and you’ll need to keep track of how much you’ve used throughout the year in order to know how much you have left.
  • Is there a replacement or frequency period? If you need to have a procedure repeated, such as a crown, filling, or deep cleaning, it’s important to know how often your insurance plan will pay for it. For example, some plans will only pay for a new dental crown every 5 years or a deep cleaning every 36 months. Some procedures will only be covered once in a lifetime. To avoid an expected dental bill, investigate these restrictions in advance.

For more help in exploring your dental insurance plan, contact a Scottsbluff NE dentist today.

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I feel that the services are wonderful at Monument Smiles. Dr. Cheloha and staff are all very up lifting and lovely to be around. I can now say I don’t hate going to the dentist. Dr. Cheloha is an amazing dentist and I wouldn’t go anywhere else.

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My office visits are always a good experience and everyone at the office is so caring and friendly. I appreciate so much how I am treated.

– Morgan Schaffer

Dr. Gary is great! He made me feel at ease with his professionalism and he is highly skilled. The best dentist I have ever been too.

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The office was very neat, clean, and cheery, and all of the people I was associated with were very professional and friendly.

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Always clean, neat, organized, efficient and FRIENDLY!! I have recommended Monument Smiles to many people. Being one of those people with a longtime fear and dread of the dentist and prior bad experiences I can tell you that Monument Smiles makes visits a pleasure! Thoughtful, good people with outstanding skills and up to date equipment and techniques to make you comfortable.

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I have been so happy with the staff and the services that are rendered at Monument Smiles. Such a friendly and professional atmosphere. I would not want to go anywhere else.

Mari Pauley

I love the experience I’ve had with Monument Smiles team. They are incredibly friendly, very informative, and the most reassuring dentistry team I’ve ever been treated by. I had never had a pleasant time with dentists prior, I was actually phobic of them. Monument Smiles however is a very caring and consciences team.

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I have recommended Dr. Gary to many people; he and staff are competent, professional and friendly.

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I would not consider going anywhere else. I have had nothing but the best dental care from Dr. Gary and his staff. I would strongly recommend Monument Smiles to anyone searching for a topnotch dental clinic.

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Wonderful, calm and comfortable place. Great people to be around.

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Your office is extremely welcoming and friendly. We appreciate how informative you are in explaining your procedures, especially Dr. Gary. You’ve eased so many of our dental anxieties and we are so thankful for that!

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I honestly found everything about your office to be above my expectations. Dr. Gary put me at ease right away, and his staff was great! I plan to have all future dentistry work done there

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As always, the trip to the dentist was a pleasant one. Professional, knowledgeable, friendly, helpful people in a clean environment with up to date equipment and skills. I recommend them without reservation.

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Very pleasant atmosphere and people. Very professional, very happy with them!

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Awesome job! Highly recommended!

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