Dental care is very important for your overall health & wellness, & dental insurance is how most people access that care. As with other insurances, dental insurance can be confusing, & unfortunately, that confusion can keep patients from making it in to see a dentist.
At Michael Liberto, DDS Dental Excellence, we know there are many barriers to getting quality dental care. We do our best to break down those barriers. In addition to our convenient hours, we accept dental insurance from all major providers, such as Delta Dental, Humana & Cigna.
Additionally, we try to make that insurance easy for you to understand & access. We are happy to answer any questions you have about your insurance, & we do our best to maximize the dental insurance plan you have so you pay as little as possible for your care.
Dental insurance can be confusing, but it can also be very helpful in making dental care affordable for patients. Most patients get their insurance through their employer, who sometimes chips in some of the cost, making it even more affordable.
Essentially, patients with dental insurance pay a certain amount each month to their insurance provider to stay enrolled & in exchange get free or discounted dental services, depending on the specific insurance plan. Most plans cover preventive care at 100%, including two teeth cleanings per year as well as exams & x-rays. After that, basic care & major procedures are covered at different percentages, with the patient paying a greater portion for major procedures.
Many patients get confused about whether a dental practice is in-network or out-of-network with their dental insurance provider & what that means. While “out-of-network” sounds like the practice wouldn’t take your insurance, that’s not always the case & depends on the type of insurance plan you have.
HMO plans only cover dental work done by dentists that are in-network, & referrals to specialists must be provided by that dentist. If you have an HMO plan, be sure to look for a dentist in their network.
PPO plans are much more flexible & the distinction between in-network & out-of-network is much less limiting. When a dental practice is in-network with a PPO insurance provider, it just means they have a deal where the practice can charge the patient a smaller portion of the total cost for treatment services. However, even out-of-network costs are often quite reasonable.
Once you are enrolled, it’s easy to use your dental insurance. Simply choose a dentist & make an appointment! At Michael Liberto, DDS Dental Excellence, we accept all major insurance provider plans, so you don’t have to worry about whether your insurance works here: It works great!
Regardless of insurance considerations, we encourage you to select your dentist based on other important factors, such as availability around your busy schedule & accommodation by the dentist & staff.
If you have any questions about your insurance or how we would handle it, please give us a call today. We’re happy to answer any questions you might have & to schedule an appointment for you during our great office hours.