Dental Insurance – Alexandria, IN
Save Money on Top-Quality Dental Care
Many families in our area are very budget-conscious, so we understand that the cost of dental care is of paramount importance to them. That is why our Alexandria, IN, team welcomes dental insurance. Whether you bought your policy on your own or have it through your workplace, you can view it as a valuable asset. Using it could reduce your out-of-pocket costs by hundreds of dollars. Continue reading below to learn more about how your policy can allow you to save money on top-quality dental care.
How Dental Insurance Works
No two dental insurance policies are exactly alike. It is important that you familiarize yourself with the details of your unique plan to learn how it works. In the meantime, you may learn something valuable by considering this general overview of standard PPO dental insurance coverage:
- Preventive care is often 100% covered.
- Minor restorative services are usually up to 80% covered.
- Major services may be up to 50% covered.
- Orthodontia is 50% covered on a handful of premium plans.
- Cosmetic services are generally not covered.
Your plan may also enforce an annual maximum, a waiting period before you can receive certain benefits, and a deductible.
What Is the Difference Between Dental & Medical Insurance?
Dental and medical insurance have different scopes and different focuses. Medical insurance covers systemic health and major illnesses. It does not include coverage for preventive and basic dental care, such as cleanings, exams, and fillings — services that are a major component of dental insurance coverage. In some cases, there is a bit of crossover between the two types of insurance. For example, they might both cover some types of oral surgery.
In-Network vs. Out-of-Network
Whether our practice is in your insurance network or outside of it, our team will be pleased to help you understand and maximize your benefits.
In-Network Coverage
If a practice is in-network with an insurance company, it means they have a contract that controls prices and encourages a specific level of care. In most cases, out-of-pocket costs are slightly lower at in-network practices than out-of-network practices. At Martinez dentistry, we are proud to be in-network with:
- Delta Dental Premier
Out-of-Network
If you have a PPO dental insurance plan, you can use it at virtually any dental practice, regardless of network status. Therefore, even if we are not in your plan’s network, you are still welcome to use your benefits here. Our team will be pleased to file claims on your behalf and answer questions about how your coverage works. Remember, the most important thing is to receive care from a practice whom you truly trust!