How Dental Insurance Works
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 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
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.
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!