Dental Insurance in Wildomar, CA
What is Dental Insurance/Dental Benefits?
Dental insurance typically covers the cost or a portion of the cost for a dental procedure such as preventive care (cleaning), exams, x-rays, exam, fillings, and more.
Dental insurance is purchased separately from medical insurance, and depending on your oral health history, your treatment needs, and which dentist you want to see, dental insurance may not be worth the value you are paying for the insurance plan.
How Dental Insurance Works
1.
Coverage Verification
2.
Treatment Planning
3.
Claim Submission
4.
Payment Processing
How PPO Dental Plans Work
A Preferred Provider Organization (PPO) is the most common form of dental insurance, offering members a network of participating dentists to choose from. Dentists in this network agree to lower fee schedules, resulting in greater cost savings for patients. PPO plans cover a percentage of treatment costs, typically paying 50% for major treatments like crowns and bridges, 80% for basic care like fillings, and up to 100% for preventative care such as exams and cleanings. These plans often have annual maximums ranging from $1,000 to $2,000 and assist with insurance billing.
Which Treatments are Covered by Dental Insurance?
Dental insurance assists with coverage for a wide range of treatments, from cleanings and exams to fillings, root canals, and dentures. If your dental treatment is only partially covered by your plan, the remainder of the cost is out of pocket. In most cases, preventive care (for healthy gums) is covered at or close to 100%, with major and basic services covered somewhere between 50-80%.
Every dental insurance policy has an annual maximum and specific criteria that treatments must fit into if they are reimbursable by your insurance plan. If you have concerns about your coverage, it’s best to talk to your employer’s HR department to discuss the specifics of your policy and where it’s accepted.
We’re here for You
Don’t let a damaged or unsightly tooth hold you back. Restore your smile’s beauty and function with a custom dental crown from Wildomar Smiles Dentistry.
Contact us today to schedule a consultation for dental crowns in Wildomar, CA. Our highly trained team will help you achieve a stronger, more beautiful smile with our expert crown services. Your renewed confidence is just an appointment away!
Dental Insurance FAQs
If you have any questions about dental insurance, we’ve got answers.
Even if we are out-of-network with your insurance, we will work with your insurance to reduce care costs. Although many insurance plans may restrict in-network benefits to certain providers, you can normally use your plan at out-of-network dentist’s offices as long as you pay the difference in the coverage and treatment fee.
To help you better make decisions and understand your care, Wildomar Smiles Dentistry will always print an itemized treatment plan that lists all fees and procedures included, along with your estimated insurance benefits and patient portion. That way, you know exactly what to expect prior to scheduling any treatment. Additionally, you can always choose to finance all or a portion of your procedure when necessary.
Every patient at Wildomar Smiles Dentistry will receive a detailed treatment care plan with an itemized insurance estimate included. That way, if you’re planning to get a filling, crown, implant, or other procedure, you can see what your insurance is expected to cover compared to the total treatment price. When possible, our Wildomar dentist will also offer alternative treatments worth considering so that you can compare them to one another and budget accordingly.
Many of our patients do not have dental insurance and choose to finance their dental treatment. They are able to make affordable, low monthly payments instead of enrolling in a separate insurance plan. Talk with one of our team members today to find out if you need dental health insurance, other options available to finance all of your dental treatment if you don’t have insurance, and how affordable payment options work.
