How to Save with Dental Insurance
Dental insurance is also one of the main ways people can afford their needed dental treatment. Many people get it through their employer while others have their own standalone plans.
Dental insurance differs from traditional medical insurance in that it (tying into what we just talked about) is mainly focused on prevention. The benefits are usually structured to cover standard checkups and cleanings much more than fillings, crowns, and other restorative procedures.
In fact, most dental insurance plans cover preventive services 100% while only covering restorative services about 50-70% (depending on the plan).
Your average dental insurance plan is affordable. This means, just by going in for your 2 preventive appointments each year, the plan will practically pay for itself as well as save you from having to pay thousands in out of pocket costs for restorative procedures. It’s helpful in the fact that it breaks up the cost of your care into smaller monthly payments as opposed to one lump sum amount making it an inexpensive option.
A word of caution: while most of the insurance plans offered by employers have very good coverage, the opposite is true for most of the individual dental insurance plans that is bought by the individual patient. These individual plans are very strict. These particular insurance plans may have waiting periods, coverage limitation and exclusions. These limitations are designed to prevent a patient who suddenly has a severe tooth ache and needs a root canal and crown to restore his tooth from going out there and buying such a plan for a low payment and getting reimbursed for a procedure cost of $1500. Some of these plans fees are very low that only a few experienced dentists will participate in. The majority of these plans are not an actual insurance that will pay for the dental procedure. It will only offer the patient to pay in full for the dental procedure at cheaper/ reduced, affordable fees.
Under the Affordable Care Act (ACA), insurance plans are required to offer children’s preventative dental care as part of the package. Although you may pay more to add dental insurance, it is possible to receive subsidies based on your income to help pay for higher premiums.
Unfortunately, insurance plans are not required to offer special coverage for adult dental care.
Sunnyvale Dentist Dr. Gupta can help you save a lot of money on your dental treatments because he is a PPO dentist for all major insurance providers.
How to Choose an Affordable Insurance Plan?Always keep in mind your needs and preferences while choosing a dental insurance plan and coverage. Some patients with a severe dental problem might need more expensive treatments and many dental visits, whereas others may only need a routine check-up and cleaning every six months. Once you choose the dental insurance plan, you just pay premiums, co-pays, and deductibles; your insurance provider pays the rest. It also helps you save a lot on various dental services by purchasing a PPO dental insurance plan and seeing an in-network dentist.
A PPO dentist, such as Dr. Gupta at Sunnyvale Dental Care, offers discounted fees to insurance owners, which is an advantage even if you need a basic or more complicated treatment. It will make the dental treatment more low-cost and affordable. The negotiated fees cost at least 20-30% less than usual dental treatment fees. After you pay all your deductible, we get reimbursements on a negotiated fee schedule that applies only to PPO dentists.
When you choose a dentist who is a PPO dentist, like Sunnyvale Dentist Dr. Gupta, you get maximum benefits out of your insurance coverage. Visiting an out-of-network dentist is not a good idea if looking for an affordable dental service provider as it costs you a little more than an in-network dentist.
Choose a dental office like Sunnyvale Dental Care that knows how to maximize your insurance benefits and utilize your insurance coverage for economic dental care.
Learn more when you visit Sunnyvale Dental Care. Call Sunnyvale Dentist Dr. Gupta at 408-720-0900 to schedule a consultation today!