Dental Insurance – Edison
Quality Dental Care at an Affordable Cost
Even if you are the most disciplined, thorough brusher and flosser in the world, no one is perfect. There are still going to be places that you miss. This is where your regular dental visits come in. However, many people put off their regular visits due to fear of cost. If it’s available to you, dental insurance is an excellent tool to take advantage of. However, it works differently than the medical insurance that you are used to, so we’re here to help. Continue reading to learn more about how you can save!
How Dental Insurance Works
When you pay your premium each month, you gain access to discounts on dental treatments and procedures. Every plan looks a little bit different, but here is what you can generally expect when it comes to coverage:
- 100% coverage for preventive care.
- 80% coverage for basic restorative procedures.
- 50% coverage for major restorative procedures.
Ultimately, when you attend your regular dental checkups and cleanings, you can prevent the need for restorative treatment, as they aren’t covered at as high of a rate. Here are some things you should keep in mind:
- Dental insurance plans are renewed at the beginning of the calendar year. Your benefits will not carry over to the next year.
- You need to meet your deductible before your coverage kicks in. Your annual maximum is the designated amount of money that your insurance provider will agree to pay in a single year. If you don’t reach this amount, the remaining balance is returned to your insurance company.
What’s the Difference Between Dental & Medical Insurance?
Medical insurance and dental insurance seem like they would be similar, but they have several key differences. The main one is that dental insurance is focused on preventive care. That’s why most plans include complete coverage for cleanings and checkups. This way, patients can avoid more complex procedures, like root canals and tooth extractions.
In-Network vs. Out-of-Network
When you decide which dentist to go to, it is key to find out if they are in-network or out-of-network. Here’s what this means.
In-Network Coverage
When a dentist is in-network with an insurance company, this means that they have agreed on a contract to offer services at set fees. By choosing an in-network dentist, you can better maximize your benefits by paying the lowest possible out-of-pocket cost. At Rosenfeld Dental Associates, we are proud to be in-network with the following:
- Delta Dental Premier (Clear Plan)
- Horizon BlueCross BlueShield (Traditional Plan)
- Cigna (Radius Plan)
- United Concordia (Elite Plan)
- Guardian (Dental Guard Plan)
Out-of-Network
If you have another dental insurance provider, this doesn’t mean that you are out of luck when it comes to coverage. We can additionally file claims for many more major providers. It’s our goal to help you receive the highest quality of care at the lowest out-of-pocket cost.