Dental Insurance Plans We Accept

Most dental plans cover 100% of preventive services such as annual or semi-annual office visits for cleaning, and X-rays. Other procedures like treatment for gum disease, extractions, fillings, root canals and crown come with deductibles, co-pays and co-insurance determining the patient's out-of-pocket expenses

An insurance limit is the maximum amount of money an insurance company will pay you for a covered loss. You'll typically find that the higher your coverage limit, the higher your premium may be. Limits often apply to different types of coverage within a policy

Most dental insurance commonly have what's described as “100-80-50” coverage, meaning it pays 100 percent of the cost of routine preventive and diagnostic care, such as checkups and cleanings; covers 80 percent for fillings, root canals and other basic procedures; and 50 percent for crowns, bridges and major

A copayment (or “copay”) is a monetary charge that your health insurance plan may require you to pay before receiving a specific medical service or supply

Coinsurance is a percentage of the cost for a health service or prescription drug paid by a member after they have reached their deductible

The comprehensive health care reform law enacted in March 2010 (sometimes known as ACA, PPACA, or “Obamacare”).

The Affordable Care Act (ACA), or Obamacare, names pediatric dental benefits one of the 10 essential health benefits that must be included in certain health plans under Obamacare. However, ACA doesn't include adult dental insurance

The dental insurance waiting periods vary depending on the company and plan chosen

Out of network simply means that the doctor or facility providing your care does not have a contract with your health insurance company. In-network means that your provider has negotiated a contracted rate with your health insurance company.

If you have Medicare, your plan may already include dental coverage. Otherwise, the cost of stand-alone dental insurance plans for seniors over 65 will depend on the level of coverage chosen

Balance Billing. When a provider bills for the difference between their charge and the allowed amount from your insurance plan. For example, if the provider's charge is $100 and the allowed amount is $70, the provider may bill you for the remaining $30.

The amount you pay for covered health care services before your insurance plan starts to pay

ACA-compliant just means a policy that adheres to the ACA’s regulations

Out-of-pocket expenses refer to costs that individuals pay out of their own cash reserves

Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury

A type of insurance in which the insured pays a share of the payment made against a claim

Although there is no one "best" dental insurance plan, some plans may work better than others for you and your family. Plans differ primarily in how much you'll have to pay monthly

Yes. According to the American Dental Association, cost of dental treatments and lack of dental insurance are the main reasons adults aged 18 to 64 don’t seek needed dental care.

Costs will vary depending on your state. Average cost is about $50 monthly per person.

Most dental insurance policies will cover regular checkups and cleanings twice a year. Some dental insurance plans will also cover the expenses related to cavity fillings and orther major work.

All dental insurance policies differ, policy holders should check their coverage limits to find out exactly what is and what is not covered in their unique cases.

The yearly maximum usually renews every year (on January 1 if your plan is on a calendar year). If you have unused benefits, these will not rollover. Use It or Lose It!

If you have met your deductible already, you have every incentive to take full advantage of all health care needs before the deductible resets. Since they reset at the end of each year. Saving you money!

The best way to spend less on extensive dental work is to not need extensive dental work. Maintaining good oral health is to go to your dentist at least twice a year for an exam and cleaning. You will find that problems are detected early and require less costly treatment to repair when you visit your dentist routinely.

Medical insurance focuses more on covering consequences of injury and illness after they happen. And because medical care can be quite costly, medical coverage is designed to protect you from the burden of large expenses. Dental insurance is meant to cover some of the costs associated with your dental care. Routine dental care, like regular checkups and cleanings.

Normally your provider would be the one to make that determintation

The easiest way to maximize your dental insurance is to talk to your dentistry team about your benefit plan

While dental care utilization is at its highest level ever among children, utilization among adults is in steady decline, with only 35.4 percent of working-age adults visiting the dentist in 2012. Only 2-6% of Americans with dental benefits hit their annual maximums. For many patients, 90 percent of dental benefits are left unused each year.

At that time of your appointment your provider will advise you if there's a copayment due for services rendered. Not all plans and services require copays. Please become familiar with your dental benefit plan.

Depending on the plan you choose and where you live, network availability may vary. Refer to your plan documents for network details.