Dental Insurance – Painesville
Save on Essential Dental Care
Do you have access to a dental plan through your employer or another means? This is a great tool to take advantage of. By signing up for a dental insurance plan, you can receive more affordable dental care for you and your family. Dental insurance works a little differently than the medical insurance you’re used to, so it can be challenging to navigate at first. To better benefit from your plan, it’s important to take steps to maximize your savings. Continue reading to learn more about dental insurance and how it works.
How Dental Insurance Works
When you pay your monthly premium, you gain access to discounts on numerous 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 structure is that by regularly attending your cleanings and checkups, you can prevent the need for restorative treatments in the future since 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. Your benefits will 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 agrees to pay for the 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 cleaning and checkups. Ultimately, patients can avoid more complex procedures, like root canals and tooth extractions.
In-Network vs. Out-of-Network
When you are deciding on which dentist to receive treatment from, it’s key to know if they are in-network or out-of-network. Here’s what that means.
In-Network Coverage
When dentists are “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. At Painesville Dental Group, we are proud to be in-network with the following providers:
- Delta Dental Premier
- Guardian
- Aetna PPO
- Liberty
Out-of-Network
If you have a different dental insurance provider, this doesn’t necessarily mean that you are out of luck when it comes to coverage. Give us a call so we can talk about your plan. It’s our goal for all of our patients to receive the dental care they need at an affordable cost.