Dental Insurance – Jupiter, FL
Undergo Affordable & Quality Dental Treatments
Although insurance coverage is designed to help people lower their out-of-pocket expenses, there are some differences between medical and dental insurance plans that you’ll need to keep in mind. Fortunately, our team at Palm Dental Professionals will be more than happy to walk you through the details of your coverage so that you know how to maximize your benefits. Keep reading to learn more about dental insurance or reach out to our office if you have any other questions or concerns!
How Dental Insurance Works
After paying your monthly premiums, you’ll get access to your dental perks. While every person’s plan will vary, the coverage benefits will typically look like the following:
- 100% covered for preventive services, such as checkups, cleanings, and X-rays
- 80% covered on basic restorative treatments, like tooth-colored fillings
- 50% covered for major restorative procedures, such as dental crowns, dentures, and root canal treatment
Cosmetic dental services are typically not covered by dental insurance. Generally speaking, your plan will mostly prioritize preventive dentistry, as your provider will want to help you avoid needing more complex treatment in the future. Here are other important things to remember about your coverage plan:
- Dental insurance usually renews at the start of the year (January 1st) and your benefits will not roll over.
- Your deductible must be met before your insurance provider will help cover any costs.
- The annual maximum is the highest amount of money that your dental insurance company will help pay in a single year. If you don’t reach this amount, the rest of the money will go to your provider.
What Is the Difference Between Dental & Medical Insurance?
Medical and dental insurance might seem similar at first glance. However, though both help cover the cost of certain treatments, dental coverage is mainly used for preventive purposes. This is the reason why most plans can often help pay the entire price of dental checkups and cleanings. Medical insurance, on the other hand, usually helps cover a portion of the cost of treatment when a problem has already occurred.
In-Network vs. Out-of-Network
Here are the differences between choosing an in-network and out-of-network dentist:
In-Network Coverage
Visiting an in-network dentist generally indicates that they and your dental insurance company will already have a contract to offer treatments at certain fees. This often means you’ll be able to maximize your coverage benefits when seeking dental care. At Palm Dental Professionals, we are proud to be in-network with the following providers:
- Aetna
- Benefit Plan Administrators (BPA)
- Companion Life (Stratose)
- Covenant Administrators, Inc
- EBSO
- Formula Corp
- Guardian
- Humana
- Integrity Administrators
- Lincoln Financial Group
- Meritain
- Momentum Plans
- PreferredOne
- Principal
- Renaissance
- SunLife
- Total Dental Administrators Inc (TDA)
- United Healthcare (UHC)
- United Concordia
- Union Security Insurance Company
Out-of-Network
If you don’t see your specific dental insurance provider in the list above, it doesn’t mean you won’t be able to make use of your benefits. Our team will still be happy to walk you through the details of your policy as well as file insurance claims on your behalf. You can still enjoy the perks of your coverage plan so that you can undergo affordable dental care.