Dental Insurance – Jacksonville
Making Essential Dental Care Fit in Your Budget!
Maintaining an excellent oral hygiene routine is necessary to maintain a healthy smile. However, even if you are very disciplined, there are still going to be areas that you miss. This is where your routine dental visits come in. However, many people put off visits to the dentist because they are worried about the cost. Dental insurance is a great way to make essential dental care affordable to you and your family. However, it is much different from the medical insurance that you are used to. Read on to learn more about dental insurance and its ins and outs.
How Dental Insurance Works
When you pay your premium each month, you gain access to discounts on dental treatments and procedures that you need. Plans can vary, but here is what a typical plan may look like.
- 100% coverage for preventive care
- 80% coverage for basic restorative treatments
- 50% coverage for major restorative treatments
When you attend your regular dental checkups and cleanings, you can prevent the need for restorative treatment, as these services aren’t covered at as high of a rate. Here are some things you should keep in mind.
- Dental insurance plans are renewed at the beginning of the year. Your benefits won’t carry over to the next year.
- You need to meet your deductible before your coverage kicks in. Your annual maximum is the designated amount of money that your insurance provider will agree to pay in a year. If you don’t reach this amount, the remaining balance will be returned to your provider.
What Is the Difference Between Dental & Medical Insurance?
Medical insurance and dental insurance both concern your health, so you would think they would be similar. However, they have several key differences. The main one is that dental insurance is focused on preventive care. That’s why most plans include complete coverage for cleanings and checkups. This way, patients are less likely to require more complex procedures, like root canal treatment and tooth extraction, later on.
In-Network vs. Out-of-Network
When you are choosing a dentist to receive care from, it is key to know if they are in-network or out-of-network. Here’s how this works.
In-Network Coverage
When a dentist is in-network with an insurance provider, this means that they have agreed on a contract to offer services at set fees. By choosing an in-network dentist, you can better maximize your benefits by paying the lowest possible out-of-pocket cost. Here are the plans that we are in-network with.
- Aetna
- Ameritas
- Assurant
- BCBS
- Cigna
- Delta
- Delta FGP
- Florida Combined
- GEHA
- Guardian
- Humana
- Lincoln Financial
- MetLife
- Principal
- Sunlife Financial
- Teamcare
- UnitedHealthcare
- United Concordia
Out-of-Network Coverage
If you have another dental insurance provider, this doesn’t necessarily mean that you can’t save. Give us a call so we can discuss your plan. We want all of our patients to receive the care they need without breaking the bank!