Understanding How Dental Insurance Works

At first glance, dental insurance and traditional medical insurance can seem very similar, but the truth is that they are quite different. Medical insurance covers primarily big emergencies and life events, including serious illnesses, traumatic injuries, pregnancies, and similar incidents. In contrast, dental insurance focuses most of its available benefits on prevention first and foremost. In many cases, this means the cost of biannual dental checkups and cleanings is completely covered. Dental insurance has the ultimate goal to help the insured individual or family keep their smile healthy and steer clear of more expensive treatment later on.

What Your Dental Insurance Plan Covers

Please keep in mind that every dental plan can vary from the next and that confirming your benefits before you commit to treatment is always a good idea. With this in mind, many major PPO insurances offer coverage similar to the following:

• 100% coverage for essential preventive care, such as dental checkups and cleanings once or twice per calendar year.
• Around 80% coverage for minor restorative care, including root canal therapy and fillings.
• Around 50% coverage for major restorative care, including bridges, crowns, and dentures.

Purely cosmetic procedures are not typically covered under most PPO dental insurances; however, there are some plans that will cover part of the cost for Invisalign.

We Offer In-Network Savings & Welcome Out-of-Network Plans

We are currently in-network with:

• Altus
• Ameritas
• Blue Cross Blue Shield
• Cigna
• Delta Dental
• MetLife
• Humana
• Guardian
• United Concordia
• and many more! Please call us for information on your specific plan.

What exactly does that mean? Basically, we accept lower negotiated rates for certain services and will not charge more than that. As a result, if you have one of these in-network plans, you can expect to pay a more discounted rate at Amazing Family Dental compared to what you’d pay at an out-of-network practice.

Even if we are out-of-network with your dental insurance, that doesn’t mean that we can’t help you and your family! Because we offer our outstanding services at very affordable prices, many of our patients find that they pay a similar amount here as they would at an in-network practice. Our helpful team will gladly file claims for you for many out-of-network plans and get you the most out of your deserved reimbursements.