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Richard Fossum, DDS
2534 Blue Meadow Drive, Temple, TX 76502
(254) 778-3900  

Dental Insurance -- Temple, TX

Making Quality Dental Care More Affordable

Little boy in the dental chairWould 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 Fossum Dental Group, we are happy to be in-network with several popular 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!

How Dental Insurance Works

Attractive couple against pink backgroundWhile 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 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

Close-up of a healthy smileVisiting 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! Fossum Dental Group 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!