Dental Insurance – Turlock
Quality Dental Care at an Affordable Cost!
Keeping up an excellent oral hygiene routine at home is key to maintaining a healthy smile. However, even if you are the most diligent brusher and flosser out there, there are going to be some areas that you miss. This is where your routine cleanings and checkups come in. To make these regular visits more affordable, dental insurance is a great tool to utilize if it’s available to you. However, dental insurance works quite a bit differently than the medical insurance that you are used to. Continue reading to learn more about how dental insurance works!
How Dental Insurance Works
When you pay your premium each month, you gain access to discounts on dental procedures and treatments that you need. Plans can vary, but here is what a typical plan may look like.
- 100% coverage for preventive care
- 80% coverage for basic restorative treatments
- 50% coverage for major restorative procedures
When you attend regular dental checkups and cleanings, you can prevent the need for restorative treatment, as these services aren’t covered at as high of a rate. Here are some things for you to keep in mind.
- Dental insurance plans are renewed at the beginning of the year. Your benefits won’t carry over to the next year.
- You need to meet your deductible before your coverage kicks in. Your annual maximum is the designated amount of money that your insurance provider will agree to pay in a year. If you don’t reach this amount, the remaining balance will be returned to your provider.
What Is the Difference Between Dental & Medical Insurance?
Medical insurance and dental insurance both concern your health, so you would think that they would work in a similar way. However, they have several key differences. The main one is that dental insurance is focused on preventive care. That is why most plans include complete coverage for cleanings and checkups. This way, patients are less likely to require more complex procedures, like root canal treatment and tooth extraction, later on.
In-Network vs. Out-of-Network
When you are choosing a dentist to receive care from, it is key to know if they are in-network or out-of-network. Here’s how this works.
In-Network Coverage
When a dentist is in-network with an insurance provider, 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 the lowest possible out-of-pocket cost. Here are the plans that we are in-network with.
- Cigna
- Connection Dental
- Delta Legion
- Delta Medicare Imperial
- Delta PPO and Premier
- DenteMax
- DHA
- DBP/UHC
- Guardian
- Humana
- Lincoln Financial
- MetLife
- Principal
- United Concordia PPO
- United Concordia (DoD)
- Unum
- Zelis
Out-of-Network
If you have another dental insurance provider, this doesn’t necessarily mean that you can’t save. Give us a call so we can discuss your plan. We want all of our patients to receive the care that they need without stressing over finances.