When you first get dental insurance, it can be difficult to understand. In fact, many people aren’t even aware that dental insurance is completely different from medical insurance. Because people generally use medical insurance more often, they may get confused about what their dental insurance plan actually covers. Keep reading below as a dentist in Midlothian offers four easy tips to help you better understand your dental insurance.
1. “Out of Network” Doesn’t Necessarily Mean You Won’t Have Coverage
Sometimes, if your insurance plan is out of network with a certain dental practice, then you may not receive any coverage for your treatment. However, this is not always the case. With many dental insurance plans, particularly PPO plans, there may be little to no difference in the amount of coverage provided between in-network and out-of-network plans.
2. You Should Choose Your Provider
Generally, you don’t want your insurance to select a dentist for you. They’ll often pick the cheapest option even if it means sacrificing quality dental care. When it comes to dentistry, you typically get what you pay for. Do your own research and choose a dentist who you believe will give you the high-quality care you deserve.
3. Know the Details of Your Plan
Even if you and your coworker have the exact same position and experience, your dental insurance plans may still vary widely based on a plethora of factors. If you understand the details of your plan and coverage, you’ll have the power and freedom to seek out the care that would best benefit you. Visit your insurance company’s website or call them to get a better idea of your plan.
4. The Insurance Company Likes You Better
Since you’re the patient, an insurance company will reimburse you much more quickly than they would reimburse the dental practice. After all, you, not the practice, are their customer. If you’re ever in a situation in which you must pay the provider in full, your insurance company will most likely reimburse you directly, even if it takes a couple of weeks for electronic submissions. Most dental practices are willing to help you fill out the paperwork involved to make your reimbursement a smooth and easy process.
If you need help understanding the intricacies of your dental insurance plan, don’t hesitate to give your dentist in Midlothian a call. Their team will be more than happy to help you learn more about how you can receive quality dental care without breaking the bank.
About the Practice
At Marvel Dental, we offer comprehensive dental care to the Midlothian, TX community. Drs. Jay Oza, Dipak Chudasama, Vishwam Patel, and William Starck each bring their own unique skills and perspectives to our practice. We are in-network with all major PPO plans, including Delta Dental and Cigna. Even if your plan is out of network, we can handle any paperwork or claims on your behalf to help you always get the most out of your benefits. To learn more about how we can maximize your care, contact us at (682) 772-3072.