Dental Insurance – Carrollton
Save on Essential Dental Care
Even if you are the most diligent brusher and flosser in the world, no one is perfect. There are nooks and crannies in your smile that you just can’t reach. This is where your routine dental appointments come in. However, many people miss out on regular dental visits because they are worried about the cost. Fortunately, dental insurance is an excellent tool you can utilize to help you save on essential dental care. Continue reading to learn more about dental insurance, how it works, and how you can maximize your benefits.
How Dental Insurance Works
When you pay your monthly premium, you gain access to discounts on a variety of dental treatments and procedures. Everyone’s plan may look a little bit different, but here is what you can typically expect:
- 100% coverage on preventive treatment
- 80% coverage on basic restorative treatment
- 50% coverage on major restorative treatment
Ultimately, the reason behind this structure is that by attending your cleanings and checkups twice a year, you can prevent the need for restorative treatment in the future as they are covered at a lower rate. Here are some things you should know:
- Dental insurance plans renew at the beginning of the calendar year. Your benefits will not carry over.
- You must meet your annual deductible before coverage kicks in.
- Your annual maximum is the designed amount of money that your dental insurance company agrees to pay in a year. If you don’t reach this amount, the remaining balance is returned to your insurance company.
What Is the Difference Between Dental & Medical Insurance?
Medical insurance and dental insurance seem like they would be similar, but they have quite a few differences. The main one is that dental insurance is focused on preventive care. That’s why most plans include complete coverage for cleanings, checkups, and routine X-rays. Ultimately, patients can avoid more complex procedures, like root canals and tooth extractions.
In-Network vs. Out-of-Network
When you are choosing which dentist you want to see, it is key to know if they are in or out of network. Here’s what this means.
In-Network Coverage
When a dentist is in-network with an insurance company, this means that they have mutually agreed on a contract to offer services at set fees. By choosing an in-network dentist, you can better maximize your benefits and lower your out-of-pocket costs. At Epic Family Dentistry of Carrollton, we are proud to be in-network with the following providers:
- Delta Dental
- Cigna
- MetLife
- Aetna
- BlueCross BlueShield
- United Healthcare
- Medicaid
- And more!
Out-of-Network
If you have another dental insurance provider, this doesn’t necessarily mean that you can’t save. Give us a call so we can discuss your plan. We want all of our patients to receive the care they need without breaking the bank!