What Does My Dental Insurance Cover?

Dental Health, Insurance

Are you due for dental treatment, but hesitant to schedule an appointment because you aren’t sure how much it’s going to cost? If you are, you’re not alone. Dental insurance benefits can often be confusing and cumbersome to work with. Even if you think you have a good understanding of what’s covered under your employer’s benefit package, you may find yourself caught off guard.

Here’s how our Richardson dentist can help: 

Insurance Coordinators Who Communicate with Your Carrier 

Before starting any treatment, we’ll gather all of your dental insurance information so that we can get a breakdown of benefits. This makes it easier for us to formulate an accurate treatment plan and estimate any out of pocket expenses that may be incurred.

In most cases, preventive services like routine cleanings, exams, and X-rays are completely covered under the plan. As more reconstructive treatments become necessary, the policy is likely to categorize those services into tiers of coverage. One individual’s policy may pay 80% of the service, while another only pays for 50%.

Accurate Quotes and Pricing Breakdowns 

During your care planning experience, the insurance coordinators at Modern Dental will carefully break down the treatment plan recommendations as they relate to the services being rendered. This will include any required deductibles or co-pays, along with estimated coverage percentages.

Your treatment plan will list each procedure and exact price, so that you know the overall cost of all services. Included with the estimate is the dollar amount that we expect your insurance carrier to pay — based off of the information they have provided, or past history with patients under the same plan — and the final estimated out of pocket total.

As always, flexible financing solutions are available to help reduce the financial strain of any necessary or elective treatment. 

Discount Plans for Patients Without Insurance 

Modern Dental offers a dental discount option for our patients that do not have benefits through their medical insurance policy. The Simplicity Plan is available for one low annual fee and includes all preventive cleanings, X-rays, and exams. All additional treatment — such as fillings, crowns, etc. qualifies for a flat 15% discount.

Need a Second Opinion?

Call Modern Dental in Richardson to learn more about our cosmetic same day dental crowns, adult Invisalign braces, computer guided implants, emergency dentistry, and more. We’ll be happy to discuss all treatment options with you so that you can make an educated decision about your course of therapy.