Dental Insurance – Cleveland, TX
Your Coverage Plan for Minimizing the Cost of Dental Care
One of the number one ways to lower your out-of-pocket costs for dental care is dental insurance. That said, even if you have a coverage plan, it doesn’t mean you’ll immediately know the ins and outs of your policy. Still, the last thing we want is for you to miss out on the many perks you can take advantage of while treating and improving your smile. That’s why our team at New U Dentures & Implants is more than happy to help you understand the details of your dental insurance plan so that you can make the most of your benefits! Read on to get a brief look at how your coverage can work when seeking oral health care or give us a call if you have any questions.
How Dental Insurance Works
With dental insurance, you can expect your policy to cover the majority or all of your preventive care, as this can help you avoid needing to undergo costly treatments in the future. Your coverage will typically include routine dental checkups and cleanings while other restorative and emergency dental procedures might be partly covered. You might also expect certain limitations such as paying your deductible (or a particular amount out of pocket) before your benefits can kick in.
What is the Difference Between Dental & Medical Insurance?
Although they both help people save more money in the long run, dental and medical insurance plans do come with some significant differences. Medical coverage usually comes into play after a complication or situation has already happened. This makes this kind of insurance plan more responsive, as they usually help pay the cost of services like surgeries, X-rays, and hospital stays for situations such as injuries or pregnancies.
Dental insurance, on the other hand, mainly prioritizes the prevention of problems. That’s why it typically covers the price of treatments like checkups, cleanings, and X-rays so that patients can avoid more costly services, such as root canals. Additionally, any unused money in your annual maximum will usually go back to your insurer, so you’ll need to make the most of your benefits before the end of the calendar year.
In-Network vs. Out-of-Network
When looking through your insurance policy, you may come across the terms “in-network” and “out-of-network.” You might also notice differences in the costs of services depending on the dentists who are in-network with your insurance provider. Here’s a brief look at what you can expect from either case:
In-Network Coverage
At New U Dentures & Implants, our team is proudly in-network with several insurance companies, including Cigna, Blue Cross Blue Shield of Texas, Delta Dental, and United Healthcare. Patients who have plans through these providers are more likely to have the best possible rates so that they can receive the affordable oral healthcare they deserve.
Out-of-Network Coverage
While seeking dental care from an out-of-network professional might involve higher upfront costs, our team will do everything we can to help you get the treatment you need while working within your budget. We’ll gladly file claims and paperwork on your behalf to make the process as smooth as possible, that way you can undergo the services you need with little to no worries!