Making the most of your dental insurance doesn’t have to be complicated. When you visit Dentistry on the Ponds, you can count on our dental team to utilize your benefits to the fullest and ensure your dental care is as affordable as possible. On this page, you’ll find a quick and easy guide to using your dental insurance at our dental office. If you have any specific questions, we invite you to give us a call.
Understanding How Dental Insurance Works
Similarly to medical insurance, dental insurance entails paying monthly premiums in exchange for a set amount of dental care coverage in a given period (usually one calendar year). You’ll be able to access this coverage after paying a small deductible out-of-pocket.
However, whereas medical insurance is reactive, dental insurance is proactive. Instead of treating oral health problems after they’ve arisen, your insurance would prefer for you to prevent them in the first place. So, your plan is more likely to cover routine checkups than reparative services like fillings.
What Does My Dental Insurance Cover?
Each policy differs in the specifics, but most dental plans break down their levels of coverage using a framework that looks something like this:
- Preventive care (X-rays, cleanings, fluoride treatments) is usually covered at 80-100%.
- Restorative treatments (crowns, tooth extractions, dentures) tend to be covered at 50-80%.
- Cosmetic services (teeth whitening, veneers, bonding) are rarely covered at all since they don’t improve oral health.
Our In-Network Dental Insurance Providers
Dentistry on the Ponds is in-network with various PPO dental insurance plans, including HealthPartners and Delta Dental Premier. However, we also welcome patients with out-of-network plans. Often, we’re still able to help you save on your care significantly compared to uninsured patients. Either way, our knowledgeable team members will handle the paperwork involved in filing your claims and maximizing your benefits. If you’re unsure whether we’ll accept your plan, please reach out to us today!