Dental insurance in Greeley is an invaluable resource. It can help you and your family get the excellent oral healthcare you need at an affordable out of pocket cost. Moreover, its focus on preventive services will safeguard your teeth and gums against painful and serious oral health problems. If you have dental insurance through your employer, or you bought your own policy, we wholeheartedly encourage you to take advantage of your coverage! Our team are experts at handling insurance, and we would be happy to help you understand and navigate your benefits.
How Dental Insurance Works
Of course, every dental insurance plan comes with its own fine print. In general, however, you can expect your coverage to work something like this when you visit an in-network care provider:
Preventive care: 100% covered
Minor restorative care: 70% - 80% covered
Major restorative care: 50% covered
Orthodontics: varies by plan
Dental implants: varies by plan
Cosmetic services: not covered
Some plans may also come with a copay or deductible. They might also have different standards for defining which procedures fit into which categories. For example, some insurance companies define root canal therapy as a minor restorative service, whereas others call it a major restorative service. That is why you should always double-check to make sure you understand how your policy relates to a specific treatment.
The Difference Between Medical and Dental Insurance
Dental insurance has a strong focus on prevention. It covers services like cleanings, diagnostic X-rays, and basic exams. It also kicks in to provide assistance with restorative work when needed.
Medical insurance, on the other hand, is geared more for emergencies and serious oral health problems. For example, if an accident causes severe trauma to your teeth, or you require dental implants, medical insurance may help. It might also pay for root canal therapy if you develop a serious oral infection.
In-Network Vs. Out of Network
Whether our dental office is in-network or out of network with your insurance policy, our team will be glad to help you understand your coverage and take full advantage of your benefits.
If a dentist is in-network with your plan, it means that they have pre-negotiated the fees for certain services with the insurance provider. This arrangement passes on savings to both the patients and the insurance companies. Our dental office is in-network with Delta Dental Premier and Careington.
Many insurance plans allow patients to visit their preferred dentist in Greeley, even if that dentist is out of network. You can still enjoy significant savings on your care and go to an oral health doctor whom you truly trust. Our dental office warmly welcomes out of network patients. We’ll happily file your claims for you and suggest strategies that will enable you to get the most out of your insurance plan.
To learn more about how dental insurance works and how our team can help you maximize your coverage, please get in touch! We look forward to hearing from you.