Dental Insurance – In Network, In Plan Dentists
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Our dental offices accept the majority of dental insurance providers, and we’re in network providers (i.e. in plan) for specific dental PPOs.
If you don’t have one of the insurance plans that are listed, please contact us, and we’ll check into the type of insurance coverage you do have and see what would be covered if you came to our office.
If your insurance plan gives you the option to choose your dentist and go “out of network,” the cost of treatment at our office may be similar to the cost of treatment for a dentist that’s in network on your insurance plan. Some patients to pay a little extra to have their appointments at our dental office, in order to have the option of sedation dentistry and the assurance of gentle care.
Often, the extra, out-of-pocket cost is worth it!
For example, if our office charges $425 for a procedure, but your insurance company will only reimburse a dentist $400 for the procedure, and you have a 50% co-pay, your out-of-pocket costs would be:
$200 to go to a dentist in your insurance plan’s network (50% of $400)
$225 to come to our office (50% of $400, plus $25 – which is the difference between $425 and $400)
To compare dental insurance coverage, you’ll want to consider the following facts:
Insurance Maximum: Also known as a “cap,” this is the most an insurance plan will pay during a year.
Insurance Deductible: This is the amount that you’ll need to pay each year before your insurance coverage kicks in.
Insurance Co-Payments: This is the amount that you will pay, as a percentage of the cost of the treatment. As an example, if you have a 20% co-pay on a specific procedure, and the cost of the procedure is $100, you’ll pay $20, and your insurance company will pay $80.
Insurance Reimbursement: This is the amount the insurance company will pay for different procedures. At times, they’ll pay 100% (typically for preventive services, such as cleanings and exams). Other times, they may pay 50%-70%.
For any dental treatment or procedure, we’ll be happy to get a pre-determination of benefits for you, which is sometimes also called a “pre-treatment estimate.” That way, you’ll have a good idea of how much the treatment will cost, how much your insurance will pay, and how much you’ll need to pay.
If you have questions about your dental insurance plan, or would like to schedule an appointment, please give us a call or send an e-mail, email@example.com.