Dental insurance can be confusing, but when used correctly, it can help you save hundreds or even thousands of dollars on your dental care each year. ProSmiles Dental & Orthodontics of Plano accepts many major dental PPOs, and we work alongside our patients to help them understand their coverage and get the most out of their annual benefits. Our team members have been navigating different insurance plans for a long time, and we put that experience to good use by helping you fully understand the ins and outs of your plan.
Medical insurance is structured in a way where most of the coverage is reserved for true emergencies or treatments for significant health problems. Dental insurance, on the other hand, somewhat focuses on the opposite: it often offers up to 100% coverage for preventive care like routine examinations and cleanings. The idea is that if you address dental problems early, you and your insurance carrier will save money on your care overall because major dental problems don’t occur in the first place.
All dental insurance plans are different, but many follow a 100-80-50 structure. Essential preventive care receives 100% coverage, minor procedures usually get up to 80% coverage, and major procedures may get around 50% coverage. What counts as a minor or major procedure may depend on your company; for example, root canals might fall under either category. Give your dental insurance company a call to clarify your benefits before pursuing any type of dental care.
From Ameritas to Blue Cross Blue Shield to Cigna to Delta Dental, we gladly accept a wide range of dental insurance plans. As an in-network provider, we can often offer you better savings than what you might receive at an out of network dental office. That said, we do accept out-of-network plans, and we still handle the paperwork for the claims on your behalf. Please reach out if you have any questions about the insurance process.