Dental Insurance – O’Fallon, MO
Managing Your Care with Comprehensive Coverage
Dental insurance benefits, which are typically provided by your employer, allow you to get your most essential dental treatments paid for and make long-term oral care easier and predictable. At our office, we’re happy to accept a variety of plans and are considered to be a preferred provider. Of course, no matter where you get your benefits from, there are important aspects to keep in mind if you want to maximize them to the fullest.
Understanding How Dental Insurance Works
Dental insurance is not like medical insurance, which is a common misconception. The reality is dental insurance is meant to be used every six months or so, while medical insurance is generally only used when you absolutely need it to address an emergency or serious illness. This is why preventive care, which includes exams and cleanings, are largely covered by insurance providers. By using your dental benefits regularly, you’re able to get the most out of your money, keep your smile healthy, and reduce your risk of dental emergencies along the way.
What Your Dental Insurance Plan Covers
Dental coverage varies depending on the plan given to you by your provider. However, insurance companies will generally offer coverage that looks pretty ubiquitous in terms of the type of care. For example:
- Preventive Care – Includes exams, cleanings, X-rays, and sometimes fluoride therapy for younger patients. Generally covered at or 100 percent.
- Minor Restorative Care – Includes dental fillings and root canal therapy, but covered at a lower percentage, or usually between 70 and 80 percent.
- Major Restorative Care – Includes crowns, bridges and dentures but offers coverage up to 50 percent.
We Offer In-Network Savings & Welcome Out-of-Network Providers
By being in-network with multiple providers, you can often save money on out-of-pocket costs compared to being out-of-network. However, that doesn’t mean we won’t accept your plan. In fact, we do our best to offer reasonable fees for services, making out-of-pocket costs comparable to in-network savings. However, there are some cases where our prices are higher than those set by your insurer. If you have questions about your plan, please don’t hesitate to call us.