Dental Insurance Coverage
If you invest in dental insurance benefits to protect your family’s oral health and keep your dental care needs within your budget, the White Oak Dental team is here to help. We work with dental insurance providers of all kinds to ensure our patients and their families receive the maximum coverage possible from their benefit plans. If you want to learn more about your dental insurance plan or schedule an appointment with us, call our Chaska dentistry team today. We’ll be happy to review your insurance plan and take the time to help you understand how your benefits relate to necessary dental care in our office.
Basics of Dental Insurance Coverage
Patients with dental insurance are much more likely to commit to their necessary preventive dentistry plans. Most dental insurance plans cover 100% of the cost of these preventive services. Other more advanced restorative treatments are covered at decreasing percentages. For example, filling may be covered 80% by your plan, and dental crowns may receive 50% coverage. Some other basics you may need to understand in order to make the most of your dental insurance plan include:
- Premiums – the monthly fee you and/or your employer will pay for dental insurance coverage.
- Maximums – the highest amount your dental insurance plan will pay in any benefit year.
- In-network – practices that are in network with your insurance provider agree to offer treatments and charge fees as outlined by a contract with the dental insurance plan.
- Out of network – doctors who are not in your insurance network may charge any fees and use any treatment methods and materials. If you have a PPO or indemnity plan, you may still be able to choose to visit these offices.
Types of Dental Insurance plans
There are three main types of dental insurance plans:
- Indemnity plans – these are like more traditional insurance plans we’re used to like car insurance. Patients pay a higher monthly premium, but they are able to choose any dental provider or treatment and receive a percentage of coverage. However, patients will need to pay for care out of pocket and receive reimbursement from their insurance provider.
- Dental Health Maintenance Organizations (DHMO) – like medical HMOs, these plans have the most restrictions. Only a very limited number of providers, treatments, and materials are covered by DHMO plans, but they are often the most affordable.
- Participating Provider Organization (PPO) – patients can choose in-network or out of network providers and treatments, but the price they pay will change based on these choices.
Importance of Preventive Care
With or without dental insurance coverage, preventive care is the best way to keep your smile healthy and avoid high out of pocket costs. Visiting our office every six months is a great way to reduce risk for advanced dental treatments that come with larger price tags. Make sure you’re visiting us twice a year to keep your smile healthy.
Insurance Coverage at White Oak Dental
The White Oak Dental team is dedicated to providing the highest quality dentistry services at every stage of your appointment, and that includes when it comes time to pay. To help our patients maximize their benefits, we’re happy to process and file PPO insurance plans, and we’re an in-network provider for the following plans:
- Delta Dental
- Health Partners
- Premier Dental Group
Any amount that is not covered by your current benefits will be due at the time we perform treatment. We accept cash, checks, and major credit or debit cards (Visa, Discover, and MasterCard) to cover these out of pocket costs. We also offer a 5% discount available to senior patients, 65 or older, paying by cash or check at the time of service