With a dental insurance plan, getting your most necessary dental treatments (i.e. exams, cleanings, and X-rays) is not only more affordable but predictable as well. Whether you get them from your employer or elsewhere, benefits allow you to take control of your long-term oral health and ensure no problems appear when you least expect them. The result is a better quality of life, lower dental costs, and fewer visits to the office than what is needed. For your convenience, we’ve highlighted a few points patients should always keep in mind when it’s time to finance their care.
Unlike medical insurance, which is generally used only when a serious illness or injury occurs, dental insurance is meant to be used on a regular basis. This is why insurance companies will often cover many of the costs associated with preventive forms of care, including checkups and cleanings. In some cases, they may even offer coverage for fluoride therapy for children. However, this varies based on your plan’s details. Regardless of which plan you use, making sure to maximize your benefits yearly ensures better long-term oral health and helps you save money along the way.
In most cases, your dental insurance coverage will look mostly like what’s listed below. However, you should always look at your plan’s details ahead of time just to be sure as there can be variations from plan-to-plan. With that said, coverage is usually broken down in the following ways:
Preventive care – usually covered at or close to 100%. Includes checkups, cleanings and X-rays in most cases.
Minor Restorative Care – usually covered between 70 and 80%. Includes dental fillings and sometimes root canal therapy.
Major Restorative Care – covered up to 50%. Often includes dental crowns, bridges and dentures.
Cosmetic Dentistry – usually not covered.
At this time, we are in-network with Delta Dental. However, just because you are not in-network does not necessarily mean that your treatment will not be affordable. We work hard to keep fees fair and reasonable for our patients, which means being out-of-network can be comparable to in-network savings in certain cases. Our team will gladly assist you in creating a treatment plan that fits within your budget and helps you receive the care that you need.