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Understanding Dental Insurance

Dental insurance formRecently, the number of Americans who have dental insurance has sharply increased with more than 77% of the population now having benefits. While more people have coverage, only 84% of children and 64% of adults saw their dentist last year. Delaying care is often due to the fear of the cost of services, despite having dental coverage. At Oak Ridge Dental, we do not want to see you put your oral health on hold due to financial anxieties. To help you keep the cost of care within your budget, it is best to maximize the value of your dental policy. By understanding how your insurance works, you can get the care you need without a large unexpected bill.

Why is Dental Insurance Important?

Woman receiving dental examUnlike medical coverage, dental insurance is designed to prevent issues from developing in the first place. This helps to keep the long-term cost of care reduced by preventing complications from occurring. As a result, most dental policies provide 100% coverage for preventive services, such as cleanings, checkups, and annual x-rays.

In addition, you are given a yearly allowance to use toward restorative and select procedures to help pay for treatments that are needed to rehabilitate your dental health. After you have paid your deductible, your policy can cover as much as 80% of procedures to help keep the services within your budget.

Do I Need an In-Network Dentist?

Often, it is recommended that you choose an in-network dentist to receive care for the lowest rates. This means that they have pre-negotiated prices with the insurance company to deliver services for lower fees; however, that does not mean that you will pay significantly higher rates if you choose one who is out-of-network.

Despite what you may believe, you have the freedom to choose any dentist who accepts your dental insurance—even if they are not in-network. Although your co-payments may be a bit higher and the amount your insurance will pay may be reduced, you will not face substantially higher rates. Dr. Deol will still work with your insurance company to maximize the value of your policy to keep care affordable.

How Does Dental Insurance Work?

Dentist officeEvery month, you pay premiums for your dental policy. In addition, you will have a deductible to pay before your insurance company will begin to cover their responsible portion of treatments. This amount varies depending on your exact policy.

When you visit the dentist, our dental team will verify your coverage and get pre-approvals for your appointment to help to ensure that your insurance will cover your visit. We will file the necessary claims and forms by working on your behalf. Your insurance company will pay our office for their responsible portion. If there is any remaining balance, it will be your responsibility to pay.

Maximize Your Dental Insurance

If you have dental insurance, there is no reason to put your care on hold. At Oak Ridge Dental, we will help you maximize the value of your policy to keep services affordable. If you have any questions, please contact our office today to speak with a member of our team.