How Dental Insurance Works
Every dental insurance policy is unique, so you will have to review the details of your plan to find out exactly how it works. In the meantime, we can give you an overview of the coverage provided by many standard PPO policies:
- Preventive Care: 100% covered
- Minor restorative services: 80% covered
- Major restorative services: 50% covered
- Othodontia: Not usually covered for adults
- Cosmetic treatments: Not usually covered
What is the Difference Between Dental & Medical Insurance?
Medical insurance is geared toward broad health issues, such as injuries, chronic illnesses, and routine medical diagnostics. It does not usually cover dental checkups, cleanings, and other basic oral health services. Dental insurance, on the other hand, has a strong focus on preventing problems with the teeth and gums. It can drastically lower your out-of-pocket costs for routine oral care.
In some cases, there is a bit of a crossover between medical and dental insurance. For example, both might help to pay for severe dental emergencies or oral surgery.
In-Network vs. Out of Network
Whether we are in your policy’s network or not, we are prepared to do all we can to help you maximize your benefits.
If a practice is in-network with a dental plan, it simply means they have a contract that controls prices, so patients tend to pay as little out-of-pocket as possible.
You may also enjoy higher levels of coverage at in-network practices.
We are proud to be in-network with:
- Delta Dental
- Careington (this is an umbrella plan that includes a number of other dental plans)
Out of Network
Even if we are not in your plan’s network, we still invite you to choose us as your dentist in Monmouth Beach. In all likelihood, you will be able to use your plan here and take advantage of many of the same benefits that you would enjoy at an in-network practice. Get in touch with us to learn how we can maximize your coverage!