Insurance & Financing
Dental insurance can be hard to navigate due to the complicated jargon and varying coverage, but with the help of our team of experts, you’ll be able to maximize your coverage with ease. Below, we’ve outlined some basic information to help you get more acquainted with how dental insurance policies work. If you need assistance finding out if a treatment you need is covered, we recommend calling our dental office or calling your insurance company directly.
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Understanding How Dental Insurance Works
While all dental insurance plans differ, there are a few key terms that you’ll need to know in order to understand most policies. These include:
- Premium- The premium is the monthly or annual amount that you pay for benefits.
- Deductible- The deductible is the amount of money that your insurance company requires you to pay out-of-pocket before your benefits kick-in.
- Maximum- The maximum is a capped-off amount that your insurance company will pay out for your dental treatments over the course of a year.
Another helpful piece of information is that most dental insurance plans renew every year on January 1st, meaning your deductible and maximum will reset and your premium may change.
What Does My Dental Insurance Cover?
Again, we like to emphasize that all dental insurance policies vary, so in order to determine whether yours will cover a specific treatment, it’s best to contact them directly. That being said, some companies determine coverage for procedures based on a 100-80-50 structure. This means that they cover 100 percent of the cost of preventive care, like checkups and cleanings, 80 percent of basic treatments like cavity fillings, and 50 percent of more serious procedures, like root canal therapy.
Our In-Network Dental Insurance Providers
At Smile Care Family Dentistry, we want our patients to have a simple, streamlined experience, which is why we’re happy to file claims on our patient’s behalf and make sure that their benefits are maximized. We’re also proud to be in-network with many major PPO insurance plans and are more than happy to file for our out-of-network patients as well.
Most insurance plans are welcome, including the PPO plans of the following companies:
- Delta Dental
- MetLife
- Principal
- Cigna
- Aetna
- Anthem
- Ameritas
- Dominion National
- Humana
- United Concordia
- Guardian
If you have questions about the insurance providers we work with, let us know. We would be happy to answer any and all questions regarding your dental coverage.
