As you can see we work with a wide variety of dental insurance providers. Just another way to help you save more money on your dentist healthcare needs. We are planning to add more insurance carriers to the list, so feel free to call or contact us if you have any questions.
If you do not see your dental insurance on this page, please call our office and we will confirm it for you. We work with all major insurance carriers.
No Dental Insurance = No Problem
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Frequently Asked Questions (FAQ) about Insurance at Ensure Dental Care
1. What is Dental Insurance and what does it cover?
Dental insurance pays a portion of costs associated with preventive, minor, and some major dental care.
Dental plans include coverage for preventive care like routine exams, cleanings, and X-rays. Some plans require a copay for preventive services while others cover those services 100% with no copay.
It depends on the plan you choose, but preventive services are usually covered. Many dental plans also include coverage for basic services like fillings and extractions, and major services like root canals, crowns and more.
2. What is the difference between in-network and out-of-network care
Cost. In-network dentists agree to accept a lower negotiated rate on services, meaning you pay less before your insurance carrier even gets involved.
Finally, when you stay in-network, you usually do not have to submit claims yourself. The dental office will handle the paperwork, saving you the cost of your time.
It’s a good idea to check on the number of dentists near you who are in-network before you buy a dental plan. If you already have a dentist, be sure to confirm if they are in-network. By choosing an in-network provider, you are making dental care more affordable.
3. How Dental insurance and categorises and pays for procedures?
Dental procedures covered by insurance policies are typically grouped into three categories of coverage: preventive, basic and major. Most dental plans cover 100% of preventive care such as annual or semi-annual office visits for cleaning, X-rays and sealants.
Basic procedures are treatment for gum disease, extractions, fillings, and root canals, with deductibles, co-pays and co-insurance determining the patient’s out-of-pocket expenses. Most policies cover 70% to 80% of these procedures, with patients paying the remainder.
Major procedures such as crowns, bridges, inlays and dentures are typically only covered at a high co-payment, with the patient paying more out-of-pocket expenses than other procedures. Every policy differs in how procedures are categorized as preventive, basic and major, so it is important to understand what is covered when comparing policies. Some policies group root canals as major procedures, while others treat them as basic procedures and cover much more of the cost.
4. Dental insurance does not cover cosmetic procedures
Most dental insurance policies do not cover any costs for cosmetic procedures such as teeth whitening, tooth shaping, veneers and gum contouring. Because these procedures are intended to simply improve the look of your teeth, they are not considered medically necessary and must be paid for entirely by the patient.
Some policies cover braces but usually require paying for a special rider and/or delaying braces for a lengthy waiting period.
5. Yearly Maximum
While most medical insurance policies have yearly out-of-pocket maximums, the majority of dental policies cap the amount of annual coverage. Coverage maximums typically range from $750 to $2,000 per year and generally speaking, the higher the monthly premium, the higher the yearly maximum.
Once the yearly maximum is reached, patients must pay for 100% of any remaining dental procedures. Many insurance companies offer policies that roll over a portion of the unused annual maximum to the next year