Dental Insurance - Temple, TX
How to Get the Most Out of Your Dental Insurance
When you signed up for a dental insurance plan, you knew it would help you save on your care, but are you using it in the most effective way possible? We’re ready to help you answer that question with a confident “Yes!” here at Temple Choice Dental. We’re in-network providers with several PPO plans, and our team is familiar with the ins and outs of many policies, meaning you can trust us to maximize your benefits at every visit. Be sure to read our short and helpful insurance guide below, and if you have any questions about your particular plan, give us a call.
Understanding How Dental Insurance Works
Dental insurance works very similarly to standard health insurance, in that you pay a monthly premium, and then your provider pays for all or part of your dental care. An important distinction is that dental insurance tends to focus more on prevention, in that services designed to stop problems before they start tend to receive the most coverage. Dental insurance can still be a big help if you need to fix or replace a tooth, but restorative services usually have lower coverage by comparison.
What Your Dental Insurance Plan Covers
Your dental insurance plan likely places different treatments into certain categories, each with its own unique level of coverage. While these are different from plan to plan, your benefits probably look something like this:
- Preventive care is covered 80-100% (checkups, cleanings, X-rays)
- Restorative care is covered 50-80% (fillings, crowns, bridges, dentures)
- Cosmetic services are NOT covered (veneers, bonding, whitening)
We recommend mostly using your plan to pay for preventive services, as these not only keep your out-of-pocket costs low, but they will also help you avoid serious dental issues that require more expensive procedures to fix.
Our In-Network PPO Dental Insurance Providers
One of the easiest ways to get the most out of your dental insurance is to visit a dental office that is in-network with your plan. This simply means the dental office has a contract with the insurance provider to offer their services for reduced fees, which the provider then fully or partially covers. This results in hundreds or even thousands of dollars in savings for a patient. Fortunately for Temple families, Temple Choice Dental is in-network with a long list of popular providers:
- Aetna
- Ameritas
- Blue Cross Blue Shield
- Cigna
- Delta Dental
- Guardian
- Humana
- MetLife
- Medicaid/CHIP
- United Concordia
- United Heathcare
- And many more!
Don’t see your plan? We likely take it! Reach out to our team today!