Dental Insurance in Midwest City
How Does Dental Insurance Work?
Most dental insurance plans work on a fee-for-service basis, meaning that in exchange for a small fee that you pay monthly (your premium), you can receive a number of treatments for free or heavily discounted.
Once you reach your deductible, or the amount you have to pay out of pocket before your insurance will kick in, you are eligible for anywhere from $1,000 to $1,500 worth of care. You won’t meet your deductible every year, but when you do you will want to make sure you also get as close to your annual maximum as possible. These funds do not rollover from year to year. Our team can help you make wise decisions for your oral health and your wallet.
What Does Dental Insurance Cover?
Most insurance plans are broken down into a 100-80-50 scheme.
- Preventive care: 100% coverage on treatments like checkups and cleanings, fluoride treatments, and maybe dental sealants for children
- Basic restorative care: Up to 80% coverage on treatments like tooth-colored or silver fillings, root canals, periodontal therapy for gum disease, and extractions.
- Complex treatments: 50% coverage on more involved procedures like a dental crown, bridge, or a complex root canal.
- Elective procedures like cosmetic dentistry are usually not covered by dental insurance. Orthodontics may receive partial coverage, depending on your plan.
Contact our dental office or get in touch with your insurance provider directly to find out exactly what your benefits include.
How Can I Maximize My Benefits?
The key to making the most out of your dental insurance benefits is to take the time to understand precisely what you are eligible for. Scheduling and attending your two free checkups and cleanings per year will also help you avoid the need for costly, complex care altogether. And while you are searching for a dentist, make sure you choose one who is in-network with your provider. Doing so helps you avoid having to pay out-of-pocket and wait for reimbursements later on.
At Midwest City Dental Center, we are in-network with the following plans:
- Cigna
- Delta Dental
- Aetna
- Blue Cross Blue Shield
Don’t see your insurance provider here? Don’t hesitate to get in touch with us -- we accept PPO providers and will file and follow-up on your claim to ensure you get the reimbursement you are entitled to.
Schedule an Appointment Today!
To make the most of your dental insurance, don’t wait to get in touch with a dentist who accepts your plan. High quality dental care can be more affordable than you ever thought. Contact us to schedule an appointment with your dentist in Midwest City today!