Dental Insurance – Temple, TX

Making Quality Dental Care More Affordable

Would you like to make high-quality dental care more affordable? If you and your loved ones are covered by a dental insurance plan, count yourselves lucky! At Richard Fossum, DDS, we are happy to be in-network with several popular dental insurance providers and can help you maximize your coverage for more affordable care. Keep reading to learn more about how dental insurance works and how our team of experts can make taking advantage of dental insurance easy!

Dental Insurance Checker

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We're a preferred provider
with your dental insurance!

Your checkup and cleaning will be covered! Request an appointment to have a friendly member of our team get back to you with more information.

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We take your dental insurance!

While we are not a preferred provider with your insurance, there is a 90% chance your checkup and cleaning will be covered! Request an appointment to have a friendly member of our team get back to you with more information.

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How Dental Insurance Works

Dental team member showing dentistry patients dental insurance coverage information

While the details of each plan may vary, most dental insurance groups work virtually the same way. You or your employer pay upfront for your dental insurance coverage in the form of a monthly premium. The cost usually ranges around $50 for an individual and $150 for a family of 3. In exchange for this amount, you may be eligible for the following discounts and coverage:

  • 80% to 100% coverage on preventive dentistry services, including checkups and cleanings, fluoride, gum disease treatments, and X-rays.
  • 50% to 80% coverage on restorative dentistry services, depending on complexity. Examples include fillings, dentures, dental crowns, and others.
  • Partial coverage on new orthodontic treatment.
  • Usually 0% coverage on elective treatments like cosmetic dentistry services.

What’s the Difference between Dental and Medical Insurance?

Dental team member reviewing dental insurance forms

Dental insurance works similarly to your medical insurance, except it places a bigger emphasis on prevention. By incentivizing your six-month checkups and cleanings, the goal is to help you avoid the need for more significant restorative procedures later on.

In-Network vs. Out-of-Network

Person comparing in network or out of network dental insurance coverage

Visiting a dentist who is in-network with your provider makes using your insurance easy. An in-network dentist is one who has come to an agreement with the company to provide certain services at a discount to you. You will only be responsible for paying for your portion of the procedure at the time of your appointment.

In-Network Coverage

We are happy to be in-network with a number of popular insurance plans, including the following:


Don’t see your dental insurance provider listed above? That is no problem. Please don’t hesitate to give us a call to find out how we can help you use your benefits! Richard Fossum, DDS is dedicated to making high-quality dental care highly affordable -- and we do that by accepting virtually all dental insurance plans, even if we are not strictly in-network. Our experts will gladly process and file your insurance claim to help ensure that you receive the maximum reimbursement. We are welcoming new patients and look forward to discussing your insurance coverage. Call us today!