Dental insurance is one of the most valuable benefits available — but only if you know how to use it effectively. Many Nebraska families leave hundreds of dollars in unused benefits on the table each year.
Understanding Your Dental Insurance Structure
Most dental insurance plans follow the 100-80-50 rule:
- Preventive care (100%): Cleanings, exams, X-rays, fluoride treatments, sealants
- Basic restorative (80%): Fillings, simple extractions, root canals, periodontal treatment
- Major restorative (50%): Crowns, bridges, dentures, implants, oral surgery
Key Terms to Know
Annual Maximum
The total your insurance will pay in a year — typically $1,000 to $2,000 per person.
Deductible
The amount you pay before insurance kicks in — usually $50 to $150 per year.
Waiting Periods
Some plans require 6 to 12 months before covering major procedures.
In-Network vs. Out-of-Network
In-network providers have negotiated rates, resulting in lower out-of-pocket costs.
10 Strategies to Maximize Your Benefits
1. Use Your Preventive Care
Most plans cover two cleanings and exams per year at 100%. Schedule them six months apart.
2. Plan Major Procedures Strategically
If you need major work, split it across two benefit years — start in November/December and complete in January.
3. Coordinate Family Benefits
Check if your plan allows benefit sharing among family members.
4. Use In-Network Providers
Save 30% to 50% on procedures compared to out-of-network.
5. Schedule Before Year-End
Unused benefits do not roll over. Schedule needed procedures before December 31.
6. Review Your EOB
Check your Explanation of Benefits for errors after each visit.
7. Use an FSA
Pre-tax dollars for dental copays and procedures not fully covered.
8. Ask About Alternatives
If a procedure exceeds your benefits, ask about alternative treatment plans.
9. Don’t Skip X-Rays
Annual X-rays catch problems early when they are less expensive to treat.
10. Review Your Plan Annually
At open enrollment, review your plan to ensure it still fits your needs.
How Trek Insurance Solutions Helps
Trek Insurance Solutions helps Nebraska families find and maximize dental insurance plans. We compare plans from multiple carriers to find coverage that fits your budget and dental care needs.
For more information on Trek Insurance Solutions, call 888-960-0442 or visit our website at trekis.net.