Dental insurance is an important investment in you and your family’s oral health. Having a good plan makes it easier to afford the routine care that everyone needs to maintain a clean, happy smile -- and that is why our office is pleased to have Dr. Rachel Neumeyer be in-network with some of the nation’s top providers. Understanding how dental insurance works is important for making the most out of your investment. Keep reading to learn what you need to know about dental insurance!
How Does Dental Insurance Work?
Most dental insurance plans work on a fee-for-service basis, meaning that in exchange for a certain fee that you pay monthly (the premium), you are eligible for savings on the dental services that contribute to good oral health. You will have to pay a certain amount of money out of pocket for restorative care before you meet your deductible, once this is met your dental insurance benefits will take effect. After this occurs, you may be eligible for anywhere from $1,000 to $1,500 worth of dental care in the calendar year. Unused benefits do not roll over from one year to the next with most dental plans. We can help you be strategic in using your benefits to help stretch them to their full potential.
What Does Dental Insurance Cover?
While your coverage may vary slightly depending on what you pay as a monthly premium, most coverage works like this. Preventive services, like checkups and cleanings (2 per year) and X-rays are fully covered. You will be eligible for around 20% of the cost of treatments under basic restorative care, like fillings and extractions. You may need to pay around 50% of the cost for more advanced restorative treatments. Elective procedures, like cosmetic dentistry, are usually not covered by dental insurance. Our team will perform a verification of benefits to find out just what you are eligible for from year to year.
In-Network vs. Out-of-Network
At Canatella Dental, we are pleased to be in-network with a number of popular dental insurance providers. But whether our office is In-Network or Out-of-Network, we will always work hard to make sure your dental insurance is utilized to its fullest potential by verifying your plan, filing every claim and following up until payment is received. This will help keep your out of pocket cost to a minimum.
Schedule an Appointment Today!
If you are looking for an excellent dental team who also accepts your dental insurance, you have found us at Canatella Dental. To learn more about your coverage or to start taking advantage of it, please don’t wait to contact us -- or you can request an appointment conveniently online.