Dental Insurance Coverage
When it comes to getting the dentistry services you need, cost is often a concern that keeps patients from visiting the dentist as often as they should. At Young Family & Cosmetic Dentistry, we offer affordable dental services to fit any budget. Processing and filing dental insurance claims is one way we help patients keep their out of pocket treatment costs at a minimum. When you visit the office, our knowledgeable dentistry team members will handle your dental insurance claims and help you get the benefits you deserve. If you want to learn more, call to schedule your appointment with our caring dentist and dentistry team in our state-of-the-art Joplin dental office today. We look forward to helping you get the dental care you need within your budget.
Benefits of Visiting an In-Network Dentist
There are two common types of dental insurance plans health maintenance organizations (HMO) and preferred provider organizations (PPO). Unfortunately, our office is not currently in-network with any HMO plans, and these providers don’t usually allow patients to receive coverage at out of network offices. If you have an HMO plan, please let us know, and we’ll do anything we can to help you make the most of your coverage. If you have a PPO dental insurance plan, these policies are designed to give patients the flexibility to receive coverage from the dental offices of their choice. However, when you visit an in-network dental practice, you’ll receive treatment that falls within your plan’s set price range in order to ensure minimum out of pocket costs.
Dental Insurance Frequently Asked Questions
If you don’t handle insurance policies on a daily basis, understanding your dental benefit plan can be a little intimidating. Below, you’ll find answers to some of those questions we hear most often about insurance, but please don’t hesitate to call our office to find out more. We’ll be happy to help.
What is an Insurance Premium?
The insurance premium is the monthly fee you pay in exchange for your dental benefit coverage.
What is a Treatment Maximum Price?
The treatment maximum price is a fair and average cost set by your insurer for specific treatments. The insurer’s covered percentage of the treatment price is only extended up to this dollar amount.
What is an Annual Coverage Maximum?
The annual coverage maximum is the highest amount your insurer will pay in benefits for any plan year. Most plans cover been $1000 and $1500 worth of dental treatment annually.
What is a Copayment?
A copayment is the amount you’ll need to pay in advance at the dental office before receiving treatment. This cost is typically just $10 to $50, and if your plan has a deductible, the copayment is typically put towards meeting this fee.
What Treatments are Covered by My Insurance Plan?
Every insurance policy is different, but most patients receive coverage for the following treatments:
- Preventive dentistry like checkups and teeth cleanings receive 80 to 100% coverage
- Restorative dentistry like fillings, crowns, and dentures receive 50 to 80% coverage
- When elected, orthodontic services like oral appliances, braces, and even clear aligners receive 20 to 70% coverage
Why Aren’t Treatments Like Dental Implants and Cosmetic Dentistry Covered?
Dental insurance coverage, as is true for medical benefits and other forms of insurance, only covers treatments deemed necessary for function. Dental implants still haven’t made that list, though dentists hope these services will be covered under more benefit plans in the near future. Unfortunately, cosmetic dentistry will likely always be considered nonessential.