Dental Insurance – Jefferson, OH
Making Your Pursuit of a Healthier Smile More Affordable
When looking to create a dental practice that offers patients a warm, welcoming, and comfortable environment, dentists also strive to ensure the methods and services provided are efficient, effective, and affordable. One of the most pivotal ways to help individuals get the care they need is to make it easy for them to use their dental insurance in Jefferson. At Painesville Dental Group, we are here to alleviate the stress associated with the financial aspects of dentistry so that you can relax and focus more of your attention on your improving smile.
How Dental Insurance Works
Dental insurance is most commonly used toward the cost of preventive and restorative oral healthcare services. These include everything from dental exams and cleanings to tooth-colored fillings, dental crowns, root canals, and even tooth extractions. These treatment options are most effective in addressing various oral health problems – those that can create problems for your mouth and body if left untreated.
This is why you will be unlikely to find a plan that offers coverage for cosmetic dentistry, as these services are not “essential” to the health of your teeth and gums.
By using dental insurance on preventive and restorative services, though, you can expect to pay much less than someone who is without a private plan. The reason is that if a dentist is in-network with a particular company, the fees you’re required to pay will be minimal, allowing you to spend less each time you visit your dentist’s office.
What is the Difference Between Dental and Medical Insurance?
Medical insurance is used when you want to save on sudden and more invasive treatment. You will not find many plans that offer greater savings on wellness visits; however, you will notice that your insurance company will pay more of the bill should you require hospitalization or lab testing after seeing a specialist.
Dental insurance works differently. It promotes prevention by offering to cover 80-100% of the total cost. This means that you pay very little, if anything, out of pocket when going in for a dental checkup and cleaning. However, if you do sustain a cavity or injury, you can still get anywhere from 50-80% of the price covered by your insurance.
In-Network vs. Out-of-Network
Knowing the difference between in-network and out-of-network is important if you want to try and achieve the greatest amount of savings.
In-Network Coverage
In-network coverage is established once a practice enters into a contractual agreement with the insurance company. The terms and fees are determined, ensuring that you pay less when needing preventive or restorative care.
Our dental practice is pleased to be in-network with:
- Delta Dental Premier
- Guardian
- Aetna PPO
- Liberty
Out of Network
Seeing an out-of-network dentist can still have you receiving exceptional oral healthcare, but you’ll just be required to pay more out of pocket. Since there is no partnership between your dentist and insurer, you’ll need to file a claim (or have a member of our team assist) so that you get a substantial reimbursement after your treatment is complete.