April 12, 2018
Medical and dental insurance are fundamentally different because the two disciplines are different. Medicine is primarily reactionary, meaning you see a doctor after a condition exhibits signs or symptoms. Dentistry, on the other hand, is designed to prevent dental problems from even approaching the stage where symptoms are evident. With this in mind, dental insurance has unique features that encourage subscribers to see their dentist regularly. Read on for a basic explanation of dental insurance from your dentist serving Fuquay-Varina and Angiers.
How Does Dental Insurance Work?
Most dental insurance plans are limited and the benefits expire at the close of a calendar year. Typically, preventive care such as dental cleanings and exam, as well as annual X-rays are fully covered. For other partially covered services that may include tooth-colored fillings, dental crowns and root canal, you pay no more than the co-insurance percentage specified by your coverage. Once you’ve met the deductible and paid the co-insurance, you won’t receive another bill from us.
What’s the Difference between In-Network and Out-of-Network?
When you choose to see a dentist that is in-network with your dental insurance company, you will likely save money. This is because the dentist has agreed to a pre-set fee for covered services. With an out-of-network dentist, on the other hand, your out-of-pocket costs may be higher. You can probably check the insurance company website for a list of in-network dentists serving Fuquay-Varina and Angiers.
What’s the Difference between a PPO and an HMO?
A PPO and an HMO are both designed to reduce your cost for the dental dental care that you and your family need to have healthy teeth and gums. Dental PPO insurance plans allow subscribers to choose dentists and dental specialists. For this privilege, they usually have higher premiums. A PPO has a network of dentists that provide members with special rates for covered dental services. You can still choose to go outside the network, but the rates are usually lower when you select an in-network dentist. PPOs do require a copayment at the time of service.
Dental HMO insurance plans are usually less expensive than PPOs, and they have networks of dentists that are under contract with the dental insurance company to provide services at pre-set rates. An HMO may not reimburse your cost if you see a dentist that is not in-network. An advantage of HMOs is that the premiums are usually less with than with a PPO.
Call your dentist serving Fuquay-Varina and Angiers to determine if they are in- or out-of-network on your dental insurance plan.
Meet the Doctor
Dr. Brenda Gong provides complete dental care for all patients. Whether you have a PPO or an HMO, your smile is important to us. Contact our office today to see if the service you need is covered by your insurance.
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