Dental Insurance New Bedford
Lowering the Cost of High-Quality Care
Whether you purchased dental insurance on your own or have it as a benefit through your employer, you can count yourself fortunate. Your plan can prove to be a true asset, whether you want to maintain your oral health or address existing problems. Our team wants to help you maximize your benefits. As an insurance-friendly practice in New Bedford, we can help you figure out how to use your policy without compromising on high-quality care. Contact us today to learn more.
How Dental Insurance Works
Every dental insurance plan is a little different, so it is important that you review the details of your unique policy to discover the details of how it works.
Many plans are PPO in nature, and they follow the 100/80/50 rule:
- Up to 100% coverage for preventive services.
- Up to 80% coverage for minor restorative treatments.
- Up to 50% coverage for major treatments.
Your plan may also enforce a waiting period, a deductible, and an annual limit on the value of your benefits.
What Is the Difference Between Dental & Medical Insurance?
Oral health is a pivotal part of overall wellness, so it may seem counterintuitive that dental and medical insurance are two separate entities. The major difference between them boils down to coverage. Medical insurance helps with your systemic health and covers things like your annual physical, emergency room visits, and management of chronic diseases. It does not cover basic dental services, such as checkups and cleanings.
Dental insurance does cover checkups and cleanings, as well as most services that are important for oral health. It has a strong emphasis on preventive care.
In some cases, there is overlap between dental and medical insurance. For example, they may both apply to certain oral surgeries.
In-Network vs. Out-of-Network
If you have a PPO plan, your insurance allows you to visit virtually any dentist. However, there are some differences between in-network and out-of-network providers. Rest assured that regardless of whether we are in your network, you can use your PPO benefits in our practice.
In-Network Coverage
If we are in your network, it means we have a contract with your insurance company. This helps to control fees, and you may pay less out-of-pocket here than you would at out-of-network practices.
We are proud to be in-network with:
- Delta Dental Premier
- BCBS PPO
Out-of-Network Coverage
Even if we are not in your insurance network, we can still assist with claims and help you get the greatest value out of your plan. You may be pleasantly surprised by how much you can save! Remember, the most important thing is that you choose a dental team whom you trust to care well for your smile, regardless of any insurance stipulations.