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Dental Insurance Coverage

Dental insurance forms with approved stampDental insurance benefits can be complicated and confusing for patients, but lucky for those who trust the La Plata Dental team with their dentistry care, our knowledgeable team members work with these providers every day. We can help patients understand their complicated dental insurance plans and maximize benefits on all necessary dental treatments. If you want to learn more about the insurance and financing policies at La Plata Dental, please call our friendly team today. We’ll do our utmost to help you with any questions over the phone, or we’ll be happy to schedule a consultation appointment for you with our team to review your policy.

Understanding Your Benefits

Man in dental chair looking at smile in mirror

Every patient’s dental insurance policy represents a unique agreement between the patient, their employer, and the insurer. However, by understanding a few basic facts about dental insurance, you should feel better able to maximize your coverage for the costs of all your necessary dentistry services. First, there is the premium. This is the monthly payment you’ll make to the insurance provider. Your premiums are applied toward offsetting the costs of preventive and restorative services as outlined by your benefit plan. In most cases, insurers will cover a specified percentage of the cost of your treatment up to an annual maximum. This maximum is typically between $1000 and $1500, and it is the greatest total amount your benefit plan will pay out for treatments in any given plan year. While the percentage of the cost of treatments covered will vary from plan to plan, most providers offer the following:

  • 80 to 100% coverage for preventive care
  • 50 to 80% coverage for restorative care
  • 50 to 75% coverage for orthodontics (if elected)

In-Network VS Out of Network Coverage

Woman receiving dental exam

In-network dentists have agreements with insurance providers to charge set fees for dental treatments. Because in-network dentists charge fees that are approved by the insurers, you will only be responsible for the out of pocket percentage of the costs of your dental care. Out of network dentists can charge higher fees for their services, but you will need to pay the difference in price as well as your out of pocket costs. At La Plata Dental, we are happy to provide in-network dental coverage for many major insurance plans, including:

Keep Your Smile Healthy & Maximize Benefits

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Visiting our office very six months for preventive checkups and cleanings is the easiest way to keep your smile healthy and maximize your dental insurance coverage. It’s a win-win. Regular preventive treatments receive 80 to 100% coverage by dental insurance plans, so you will pay very little out of pocket for your treatments. Additionally, regular preventive care is the best way to prevent the need for more advanced dental services that receive lower insurance coverage.

Financing Options

If you need to spread the cost of your treatment over several months, we are happy to work with CareCredit to provide low and no interest payment plans. You can apply for preapproval online, or feel free to talk to one of our team members during your visit. We can help you with the application process.

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