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Things you should know about dental insurance.

If you have dental benefits, do you know what’s in the fine print and what type of plan is best for you? MyDental offers discounted prices for patients without coverage, which sometimes is less expensive than dental insurance.

Dental Insurance: What’s Covered, What’s Not

Many Americans have dental benefits, the National Association of Dental Plans says. Most people have private coverage, usually from an employer or group program. Large employers are more likely to offer dental benefits than small employers and high wage workers are more likely to receive them than low wage workers. Medicare doesn’t cover dental care, and most state Medicaid programs cover dental care only for children. It is important to know about your dental insurance.

Dental Insurance - American Dental Association

Commonly Asked Questions

Q: DO YOU “TAKE” MY INSURANCE?

A: The answer is probably yes! Here’s the most important part: did you know that most PPO dentists who “take” your dental insurance accept the exact same fee for service? The insurance company pays the doctor a set amount and the patient, when applicable, pays a set amount. That’s why it’s so important for you to select a dentist and a dental office that meets your personal needs. When you have insurance, you often pay the same price no matter which PPO office you select, so why not pick someone you trust in an office where you feel comfortable?

Q: WHY AREN’T YOU A PREFERRED PROVIDER (PPO) FOR MY INSURANCE?

A: Unfortunately, some insurance companies simply do not pay dental providers enough to cover the cost of materials and labor for a procedure. If you’re having a hard time finding a dentist that “takes” your insurance you may have one of those low reimbursement companies.

Q: I HAVE INSURANCE, SO WHY IS THERE AN OUT-OF-POCKET EXPENSE FOR MY TREATMENT?

A: Dental insurance generally offsets the cost of treatment, but doesn’t pay for it entirely. On average, dental insurance covers 80-100% of preventative (cleaning, exam and x-rays), up to 80% of restorative (minor fillings) and up to 50% of major work (crowns and bridges). We do our best to estimate your portion of the payment before you leave our office, but with literally hundreds of insurance companies and thousands of individual plans it’s simply impossible for us to know all of them. That’s why it’s so important for you to know your plan and take charge of your health!

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