Dental Insurance – Groveport, OH
An Easier Way to Ensure Affordable Oral Healthcare
When choosing to enroll in a dental insurance plan, you understand the importance of optimal oral health. With so many different options available, you can opt for one that matches your budget and unique needs. As you’ll find, the coverage levels of most plans emphasize preventive care, as it is deemed the most effective way to safeguard smiles from more serious dental concerns (i.e., cavities, gum disease, etc.). At Sedalia Dental, we want to help you maximize your available benefits, no matter which type of insurance policy you have. Call us today to find out how we can begin to help you save on your oral healthcare.
How Dental Insurance Works
Dental insurance is designed to encourage policyholders to pursue preventive care. This means that those services that help to minimize the need for restorative care are covered in part or in full. Most plans offer 80-100% coverage for checkups, cleanings, and other similar treatments, while major and minor restorative care is covered at 50-80%.
Cosmetic services are not likely to be included as part of your available benefits because they’re viewed as elective services that do not contribute to better oral health.
What is the Difference Between Dental and Medical Insurance?
Dental insurance focuses on preventing problems before they start. This is why checkups, X-rays, cleanings, etc. tend to have the highest level of coverage. These companies want to avoid paying more for services that could be avoided.
Medical insurance, though, is different in that it offers more coverage for services that are required after an accident or health problem occurs. Whether it’s a broken arm or a heart attack, hospitalizations and appointments to see a specialist tend to receive more coverage than a general wellness visit.
In-Network vs. Out-of-Network
As you compare the plans you might be considering, you’ll notice there is a difference in cost for in-network versus out-of-network. Although most dentists are happy to file claims for all patients, you’ll find that you’ll save more by choosing a dentist who is in-network with your dental insurance.
In-Network Coverage
In-network means that your dentist has pre-negotiated the fees, rates, and terms so that you and other patients who are in-network pay less. The 100-80-50 breakdown of benefits applies to those who are considered in-network with your dental insurance. Once you meet your deductible, you can expect your insurer to pay more out of their pocket for your care.
We are pleased to be in-network with:
- Careington
- Humana
- Principal
- Assurant
- Ameritas Group
- Guardian
- United Healthcare
- CoreSource
- Cigna
- Tricare
- Delta Dental
- Aetna
- United Concordia
- Dentemax
- Compbenefits
- MetLife
- Anthem
- BlueCross BlueShield
Out of Network
If your dentist is out of network, you will still receive the same exceptional dental care, but you will be expected to pay the difference. Your out-of-pocket fees will be much higher upfront, but there’s a good chance that your dentist will file claims and paperwork to help you get the maximum reimbursement from your insurance company.