Dental insurance is a valuable tool that can help individuals and whole families alike access high-quality oral healthcare in a more affordable way. But what kinds of services does your provider actually cover? What is a “deductible” and an “annual maximum?” At LuxSmile Family Dentistry, our team members are true experts when it comes to navigating insurance plans and maximizing deserved benefits for our patients. Keep reading below to learn more, and don’t hesitate to contact us in Carrollton, TX if you have any questions or concerns regarding the financial aspects of your care.
When it comes to traditional medical insurance, a patient will expect the vast majority of their benefits to go towards major accidents and illnesses. Dental insurance does not work in the same way, though. Instead, these specific plans are based around prevention. By covering the full cost of checkups, cleanings, and other likeminded services, your insurance company’s goal is to minimize each member’s treatment costs and help their smiles stay healthier in the long-term.
Here are some terms you’re likely to hear when using dental insurance:
It’s important to keep in mind that every dental insurance plan is a little different. We strongly encourage patients to check with their provider before scheduling any treatment and confirming the benefits available to them. However, most major plans will provide the following coverage or a very similar structure:
Cosmetic procedures are not covered under most traditional insurance plans.
At LuxSmile Family Dentistry, we’re proud to be in-network providers for most major PPO insurance plans! This means that we’ve agreed to accept pre-established fees for certain services. These fees are typically lower than what a patient would pay with an out-of-network dentist, which results in valuable savings for their family. Take a look at our list below to see if your specific provider is on there. If you don’t see their name, we encourage you to give us a call – we may still be able to help you take advantage of your benefits.