Dental Insurance – Downers Grove, IL
Learn How to Navigate the Cost of Dental Care
If you want to prioritize your oral healthcare, investing in dental insurance in Downers Grove is a great place to start. The decision to maintain a safety net should you experience a serious dental problem can provide much-needed relief, but you don’t need to wait until something bad happens to use it! If you want to make sure you’re getting the most out of your new plan, keep reading or call our office to speak to a member of our team.
How Dental Insurance Works
Dental insurance is designed to promote and encourage preventive care. Patients who enroll in a plan can expect to receive the most valuable savings when receiving a dental checkup and cleaning. Although each company and policy is different, it’s common for many to provide 100% coverage for these services.
Preventive and restorative care are the two most common types of benefits you can expect when opting to purchase a dental insurance plan. The reason is that both provide medically necessary services – beneficial for your overall health.
A typical breakdown of coverage levels might look like:
- 100% coverage for preventive services (i.e., dental exams, cleanings, X-rays)
- 80% coverage for basic restorative services (i.e., dental fillings, simple tooth extractions)
- 50% coverage for major restorative services (i.e., dental crowns, dentures)
What is the Difference Between Dental and Medical Insurance?
Dental insurance plans are built to encourage patients to seek preventive care. The sooner you receive treatment for a potential problem, the more likely you will avoid restorative dentistry in the future. It serves as more of a proactive form of insurance.
However, medical insurance is the opposite. It provides greater savings after an injury or illness occurs. While a wellness check might offer some minimal savings, you can expect the biggest amount will come from hospitalizations, lab work, and more.
In-Network vs. Out-of-Network
In-network and out-of-network may be terms that are unfamiliar to you, but they’re important to learn and understand if you want to get the most out of your plan.
In-Network Coverage
In-network dentists enter into a contract with different insurance companies as a way to lower out-of-pocket costs for patients. By negotiating terms and fees with the insurer, you are guaranteed the lowest price.
Dentique Dental of Downers Grove is pleased to be in-network with:
- Delta Dental
- AlwaysCare
- Ameritas
- GEHA
- MetLife
- Principal
- BlueCross BlueShield of Illinois
- Cigna
Out-of-Network
You are not obliged to choose an in-network dentist. If you do not, you can expect the same high-quality, superior oral healthcare and services as anyone else; however, you may be required to pay more for these treatment options. This is because there is no contractual agreement with the insurance company. Our team, though, will be happy to file any claims on your behalf and help you get the maximum reimbursement from your insurance company.