Dental Insurance – Worthington
Quality Oral Healthcare at an Affordable Rate
If you have access to a dental plan through your employer or by another means, this is an excellent tool to take advantage of. Doing so can help to make dental care for you and your family as affordable as possible. Dental insurance works differently than the medical insurance that you are used to, so it can be difficult to navigate at first. To better benefit from your plan, there are some steps you can take to fully maximize your savings. To learn more about dental insurance, keep reading!
How Dental Insurance Works
When you pay your monthly premium, you gain access to discounts on a variety of dental treatments and procedures. Everyone’s plan looks a little bit different, but here is what one can generally expect:
- 100% coverage for preventive dental treatments
- 80% coverage for basic restorative procedures
- 50% coverage for major restorative procedures
The idea behind this coverage structure is that by regularly attending your cleanings and checkups, you can prevent the need for restorative treatments in the future, as they aren’t covered at as high of a rate. However, there are still some key things to keep in mind:
- Dental insurance plans renew at the beginning of the calendar year. Benefits don’t carry over.
- You need to meet your deductible before your coverage kicks in.
- Your annual maximum is the designated amount of money that your dental insurance company will agree to pay in a single year. If you don’t reach this amount, the remaining balance is returned to your insurance company.
What Is the Difference Between Dental & Medical Insurance?
Medical insurance and dental insurance sound like they would be similar, but they have quite a few key differences. The main difference is that dental insurance is focused on preventive care. That’s why most plans include complete coverage for cleanings and checkups. This way, patients can avoid more complex procedures, like root canals and tooth extractions.
In-Network vs. Out-of-Network
When looking for a dentist, it is key to know if they are in-network or out of network. Here’s what that means.
In-Network Coverage
If a dentist is “in-network” with an insurance company, this means that they have mutually agreed on a contract to offer services at set fees. By choosing an in-network dentist, you can better maximize your benefits by paying the lowest possible out-of-pocket cost. Dr. LJ Adam is proud to be in-network with the following providers:
- Delta Dental
- Humana
- BlueCross Blue Shield
- Cigna
- Aetna
Out-of-Network
If you have a different dental insurance provider, this doesn’t mean that you are out of luck. Give us a call so we can discuss your plan. We want to help all of our patients receive quality care at a cost that fits into your budget!