As important as dental care is, you still need to think about your financial situation before committing to any given treatment. Luckily, dental insurance can make this decision much easier by dramatically reducing the amount you need to pay out of pocket. Cove Choice Dental is in-network with a number of providers, and we’re happy to file claims for a variety of plans. We can also explain your insurance benefits to you if there’s anything you’re uncertain of. On this page, we’ve described some of the basics of dental insurance so that you can enter the process feeling like you understand what’s going on.
After you’ve paid the premiums and have met your deductible for the year, dental insurance will pay for a certain percentage of your dental care. The exact amount depends on what kind of service you’re paying for. Unlike medical insurance, dental insurance tends to provide greater coverage for preventive care, with the theory being that regular checkups and cleanings will reduce the risk of needing a more costly procedure at some point in the future.
Every dental plan is different, and we can discuss the kind of coverage you’re entitled to. You can also call your insurance carrier to ask whether a specific service is covered. Most of the time, preventive services receive 100% coverage, minor restorative care receives 80% coverage, and major restorative care receives 50% coverage. What counts as a minor or major restorative service might vary slightly between insurance carriers. Elective procedures like teeth whitening aren’t normally covered at all.
Being in-network with an insurance provider means we have contractually agreed to provide dental care at certain rates. Having an in-network dentist means that you receive the highest amount of benefits possible under your individual plan. However, even if we’re not in-network with your plan, there’s a good chance that we’ll still take it so that at least some level of savings is passed on to you. Below, you’ll find a list of our more common in-network providers: