Dental Insurance – Oklahoma City
Receive Quality Dental Care at an Affordable Cost
Dental insurance is an excellent tool to utilize to make your dental treatment as affordable as possible for you and your family. If you have access to a dental plan through work or by another means, it is something to take advantage of. Dental insurance works differently than the medical insurance that you are used to, so it can be challenging to navigate at first. To benefit from your plan, you must be taking all of the necessary steps to 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 dental treatments and procedures. Every plan works differently, but here is what you can generally expect when it comes to savings:
- 100% coverage for preventive dental treatments.
- 80% coverage for basic restorative procedures.
- 50% coverage for major restorative procedures.
The idea is that by attending your regular 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 are renewed at the beginning of the calendar year. Benefits do not 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 one 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 you are deciding which dentist to go to, it is key to know if they are in-network or out-of-network. Here’s what this means.
In-Network Coverage
When a dentist is in-network with an insurance company, this means that they have agreed on a contract to offer services at set fees. By choosing an in-network dentist, you can better maximize your benefits by paying low lowest possible out-of-pocket cost. At First Impressions Dentistry of Oklahoma City, we are proud to be in-network with:
- Delta Dental
- MetLife
- Blue Cross Blue Shield
- United Healthcare
Out-of-Network
If you have another dental insurance provider, this doesn’t mean that you are out of luck when it comes to coverage. Give us a call so we can discuss your plan. We want to help all of our patients receive quality care at an affordable cost.
