Dentist Takes Dental Insurance in Killeen
A More Affordable Way to Achieve Better Oral Health
Knowing how to navigate your dental insurance plan may require help from someone who is well-versed in the world of deductibles, premiums, annual maximums, and coverage levels. If you are unsure how to get the most out of your plan, keep reading or call our office so you can start saving each time you visit the dentist. At Killeen Choice Dental, we can develop the most effective way to maximize your benefits and help you avoid losing thousands of dollars before the end of the year.
Understanding How Dental Insurance Works
Dental insurance serves as a financial safety net when it’s time to take care of your oral health. When enrolling in a plan, you agree to pay a monthly premium (dollar amount), which grants you access to available benefits. This type of contract allows you to pay less for various preventive or restorative services, while your insurance company pays more for the care you receive.
Most dental insurance plans are designed to promote and encourage prevention so that patients strive to avoid costlier dental issues; however, when an emergency occurs or a cavity forms, coverage is still available.
What Does My Dental Insurance Cover?
You will find that many dental insurance companies build their plans to follow a 100-80-50 format. This means:
- Preventive services, like dental checkups and cleanings, are covered at 80-100%
- Basic restorative services, like dental fillings or simple tooth extractions, are covered at 70-80%
- Major restorative services, like dental crowns, dentures, or complex oral surgery, are covered at 50%
You will be unlikely to find any plans that offer coverage for cosmetic care. When it comes to orthodontics, some companies will agree to pay a portion of the overall cost but often have stipulations regarding the patient’s age or a lifetime maximum.
Our In-Network Dental Insurance Providers
Killeen Choice Dental is pleased to be in-network with various dental insurance plans, including Aetna, Ameritas, and several others. The contractual agreement we have with these providers allows us to establish a set fee for eligible services offered in our office. Instead of paying hundreds or thousands of dollars upfront, we can keep our fees low so that you and your loved ones do not have to choose between essential dental care or basic necessities.
If you have questions about your plan and whether we will take it, you are welcome to call our office. As always, even if we are not in-network with your dental insurance, we will still file all claims so that you can get the maximum reimbursement.