Dental Insurance – Abilene, TX
Save Money on Top-Quality Care
Do you have a PPO dental insurance plan? If so, you can rightly view it as an asset. Not only does it have the potential to help you enjoy low-cost preventive care, but it may also come in handy during those times when your smile requires a bit of restorative work. How can you get the most out of your benefits? Our Abilene, TX, dental team is eager and ready to assist you. Continue reading below to learn how you can save money on the top-quality care that we provide.
How Dental Insurance Works
Every dental insurance plan comes with a unique set of rules, stipulations, and coverage levels. It is important that you learn about the details of your specific policy so you can understand how it applies in various situations.
In the meantime, you might gain some valuable insight by looking at this overview of standard PPO coverage:
- Preventive services, such as cleanings, exams, and routine X-rays, are usually 80 – 100% covered.
- Minor treatments, often including fillings and non-surgical extractions, may be 70 – 80% covered.
- Major services, such as dentures and crowns, are typically around 50% covered.
- Cosmetic services are usually not covered at all.
Your plan may also come with a deductible, a waiting period before you can receive certain types of coverage, and an annual maximum (a limit on how much your insurance company is willing to pay each year for approved services).
What Is the Difference Between Dental & Medical Insurance?
Medical insurance is designed to help you stay healthy from head to toe, so it covers general care and major illnesses and injuries. It does not usually cover routine oral health services, such as cleanings, exams, fillings, crowns, and dentures. In certain cases, there is a small amount of crossover between dental and medical insurance. For example, they may both cover some types of oral surgery.
In-Network vs. Out-of-Network
If a practice is in your insurance network, it means they have a contract with your insurance company that controls prices and promotes a certain standard of care. Unfortunately, that is not always a good thing. Sometimes, what the insurance company wants is not truly in the best interests of patients! Because of that, we do not participate in any insurance networks.
However, we do file claims with all major PPO insurance plans. PPO insurance allows you to visit the dentist of your choice; you can prioritize choosing a dental team who truly wants to provide top-level service! Plus, you can still enjoy many of the same benefits that you would at an in-network practice.