Dental insurance is tricky. Without the proper knowledge, it can be difficult to navigate. Fortunately, an insurance dentist can help you maximize your benefits. At Metropolitan Dental Care, our doctors accept a wide range of insurance plans, which we’ll explore in more detail later. We even have an on-site insurance coordinator who can file all necessary paperwork on your behalf. Here, we’ll take a closer look at the basics of dental insurance and share some things that can help you out in the long run.
The Ins and Outs of Dental Insurance
First, let’s talk about the difference between in-network and out-of-network coverage. In order to be “in network” a practice must agree to certain treatments and fees set forth by the insurance company. Out-of-network coverage means that your dentist is able to offer whatever treatments he or she believes is necessary at a cost that is deemed fair. In simple terms, this means that both options offer coverage. But with out-of-network insurance, patients typically end up spending a little more out of pocket.
Maximums and Deductibles
As you probably guessed, a maximum is the most money that a plan will pay for on an annual basis. Conversely, a deductible is the most money patients will be required to pay every year. Knowing how maximums and deductibles work is a key element in maximizing your dental insurance benefits. For example, if you’ve already met your deductible, but not your maximum, consider what other advanced treatments you could take advantage of before the year is over.
An Insurance Dentist Can Maximize Your Coverage
To fully understand how your specific dental insurance works, it’s beneficial to sit down and talk with an insurance expert. Our team at Metropolitan Dental Care can go over your policy with you in detail.
In most cases, plans cover 100 percent of routine preventative care. That typically includes at least two dental cleanings. So, if you’ve only had one cleaning and it’s almost the end of the year, that’s the first place you should start.
During your routine exam, your insurance dentist can talk with you about any restorative or cosmetic procedures you’d like to prioritize. Many times, treatment can be completed in phases. For example, part one could be completed at the end of one year, and part two could be completed at the beginning of the next. These are just a few of the ways that we can help you maximize your dental insurance benefits.
Insurance Plans at Metropolitan Dental Care
Your insurance dentist at Metropolitan Dental Care partners with a wide range of companies, including:
- MetLife
- United Healthcare
- Aetna
- Ameritas
- Assurant
- Blue Cross Blue Shield
- Cigna
- Delta Dental
- Guardian
- Humana
In addition to accepting most major insurance networks, we also offer in-office financing options. To learn more, call our financial coordinator.
Contact Our Practice for More Information
At Metropolitan Dental Care, we believe that all individuals should have the freedom to see the dentist they want – one that fits their unique oral health needs. No matter what type of insurance you have, we’ll work with you. If you’d like to hear what our patients are saying about us, check out our testimonials.
To schedule a consultation at our practice, contact our team of experts online anytime. When you call, be sure to have your insurance plan information handy so our coordinator can let you know what coverage you have available for prospective treatment.
