You buy auto insurance, not just because it’s the law, but because you know that a bad car accident could be extremely costly. Insurance helps to cover those unexpected costs when things pop up. For the same reason, people purchase insurance policies for all sorts of things: from renter’s to homeowners, to pet or traveler’s insurance, insurance is a safety net for the unexpected bumps in the road. Many of Dr. Matthew L. Bridges’ Duncan, OK patients ask about dental insurance: whether they should have it, what its benefits are, and how they can maximize its benefits. Today, we’re examining the costs and benefits of dental insurance, to help you understand whether or not its right for you and your family.
If you currently have dental insurance, and are looking for a dental provider in Duncan, OK, who can help you maximize your dental benefits, look no further than Chisolm Trail Smile Center! We are proud to be an in-network provider with Health Choice and Delta Premier, but can file insurance claims for many other providers. Call us today to schedule your consultation to learn more about our practice!
How much does dental insurance cost?
Many full-time employees can purchase dental insurance policies through their employer. Usually, companies pay for a part of the cost of dental insurance for employees, while some may even cover the total cost. Some employers may pay for dental coverage in full. For people who are self-employed, other policies are offered from major insurance groups. However, responsibility for premiums is entirely your own. Dental insurance premiums are not outrageously expensive. Many range anywhere from $15 to $50 a month.
What treatments does dental insurance cover?
Historically, insurance plans have covered restorative and preventive care. However, more and more premium plans are beginning to offer some coverage for certain cosmetic procedures such as professional whitening or orthodontics like traditional braces or Invisalign®.
Often, preventive treatments like teeth cleanings or dental examinations are covered in full. These procedures often cost less than restorative care, and can prevent future costly treatments, so insurance providers encourage their customers to receive these treatments by covering all of their cost.
Restorative treatments like fillings or dental crowns are usually covered in some part by insurance policies, though the percentage of costs covered varies greatly from plan to plan.
Are there alternatives to dental insurance?
Yes. In fact, dental savings plans have grown in popularity more and more as the shifting insurance landscape leaves some patients without access to quite as affordable insurance plans. These dental savings plans act as a type of discount program. Monthly membership fees qualify you for a certain percentage of savings off of commonly performed dental treatments. Like insurance, preventive treatments are usually discounted more heavily. These plans are also more likely to offer cost-savings on cosmetic procedures, as well.
Contact Your Duncan, OK, Insurance Dentist
Navigating the ins and outs of dental insurance can be difficult. Luckily, our front-office team at Chisolm Trail Smile Center is adept at filing claims and ensuring you receive the most benefits from your insurance coverage. For specific insurance coverage questions, it’s always a good idea to reach out directly to your insurance providers. But to schedule a consultation with Dr. Bridges, call us at (580) 255-4880.
