How Dental Insurance Works
Not all dental insurance plans are the same, but generally either you or your employer will pay a premium each month to continue to receive coverage. The exact price varies and depends on whether you’re paying for individual care or family care. The exact details of coverage aren’t set in stone, but most plans follow a structure like the following:
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Preventive and general dental services like checkups, cleanings, radiography, fluoride treatment, and gum disease therapy get 80% to 100% coverage.
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Restorative procedures such as fillings, crowns, bridges, dentures, and more get 50% to 80% coverage. The coverage amount depends on how complex the treatment is. Simpler treatments will generally receive higher coverage.
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Insurance usually does not pay for cosmetic services and similar elective treatments unless they are shown to be necessary for protecting your oral health in some way.
What Is the Difference between Dental Insurance and Medical Insurance?
Medical insurance is meant to be used in situations where damage has already been done, but with dental insurance, there’s more emphasis on stopping health issues from occurring in the first place. Preventive services are highly discounted if not fully covered so that you can get the regular checkups, cleanings, X-rays, and fluoride treatments that can help you avoid serious oral health issues early on.
Out-of-Network
We will accept your PPO dental insurance plan, and we will discuss the best strategies for maximizing coverage while getting your smile the best possible care and protection. Get in touch with our Dyer dental office today to learn more about how you can take advantage of insurance.
