We Welcome Most Dental Insurance
When you have access to dental insurance, completing the treatments you need doesn’t have to be impossible. The dentists and team members at University Dental Group are proud to work with a large variety of insurance providers, which is precisely why we are in-network with many of the major leading companies. Our team understands the in’s and out’s of dental insurance, so you can make sure that you’re getting your money’s worth when it comes to benefits. To learn the details of dental insurance, keep reading!
How Does Dental Insurance Work?
When it comes to paying for care, dental insurance does not operate in the same way that medical insurance might. Outside of routine physicals, medical insurance is typically used when a problem occurs. In contrast, dental insurance is used on a routine basis, usually for checkups and cleanings or other preventive treatments. While medical insurance is used when you’re already sick or experiencing an emergency, dental insurance is focused on preventive care, which is largely why, for example, companies will cover the majority of the cost when it comes to a basic cleaning.
What Does My Dental Insurance Plan Cover?
While every plan is different, most plans will cover procedures based on whether they are a preventive, minor or major restorative treatment. Below, you’ll find a basic representation of how most plans operate, despite the plan and insurer you use.
- Preventive care, which largely includes biannual checkups and cleanings, is covered at or close to 100 percent.
- Minor restorative care, which includes tooth-colored fillings and root canal therapy, is covered between 70 and 80 percent.
- Major restorative care, which usually includes crowns, bridges and dentures, is covered between 50 and 60 percent.
Take Advantage of Our In-Network Savings!
Not only does our dental office accept many PPO dental plans, but we are in-network with many major providers, allowing you to take advantage of numerous savings on treatments. University Dental Group is in-network with:
- Delta Dental
- Blue Cross Blue Shield
- Altus
- Metlife
By being “in-network”, it means that our dental office has agreed to certain rates for specific treatments determined by the insurance company. These rates are typically lower than what a patient would pay if they were out-of-network, but this is not always necessarily true.