Dental Insurance in Plano, Allen, Frisco and Dallas, Texas
Preston One Dental Studio is located in Dallas, Texas on Preston Road near the intersection of Preston Road and Frankford Road at 18111 Preston Road, Dallas, Texas 75252.
Let me start by stating the most important thing about Dental Insurance: It is not like Medical Insurance. I’ll repeat that again for emphasis, it is not like Medical Insurance. So you should just dispel any ideas that may be in your head about the possibility of paying nothing for dental treatment because it almost never happens.
Dental Insurance is a different animal and works completely differently. It’s almost the opposite of medical insurance. The most common dental insurance plans offer you a “maximum” of anywhere from $1000 to $2000 for a calendar year. This is not a deductible, this is the total amount your dental “insurance” will pay on your behalf. If you exceed this amount, it’s up to you to pay the difference. It’s almost as if the insurance company is giving you a gift card to use towards some of your dental care. And, don’t think they’re going to pay for your treatment in full—they’re only going to pay a percentage of the fee for each procedure based on some metric that was created 40 years ago.
A typical patient of mine has a Dental Insurance plan like this: $2000 maximum, $50 deductible on anything other than preventative treatments, 80% coverage on fillings, 50% coverage on bridges. What does this mean? Well, for starters, it means that Exams, X-rays and Cleanings are covered. You will pay nothing out of pocket for those procedures. If you have a couple of cavities to fill, you will have to first pay $50 towards the deductible, and then 20% of the cost of the filling. For most people on this typical plan, a filling will be about $30 out of pocket. If you need something like a crown, the fee for which can be $1200, the insurance will only pay 50% of that amount so you’re looking at about $600 out of pocket. At this point, let’s hope you don’t have too much more going on in your mouth, because you’re about to hit your $2000 max. Once you hit that amount, you’re sunk. Everything over and above that $2000 is up to you to pay. One great way to maximize your dental benefits is scheduling your appointment before the end of the year. We can assist you in maximizing your yearly max by treatment planning the most important procedures now and allowing your benefits to renew at the beginning of the year then picking up where we left off to continue treatment.
This explanation will vary wildly based on what your maximum is, what your % of reimbursement is for different treatments and whether or not your dentist is in or out of your insurance network. Preston One Dental Studio is an in network provider with almost all major insurance companies. If you are unsure if we participate in your plan, call us for a complimentary benefits check, our team of insurance experts will be more than happy to assist you.
This issue gets a little gray when it comes to dentistry. And, at this point I’m speaking only of PPO insurance plans. When I have a new patient coming in, I often get a print out from their insurance company showing their dental insurance benefits based on categories. The categories will be things like Preventive (x-rays, exams, cleanings), Restorative (fillings), Periodontics (deep cleanings and gum care), etc. What we have found is that by choosing to have your dental treatments taken care of by an “out” of network dentist will result in higher out of pocket fee’s, depending on your plan. It’s pretty obvious that to save money on medical healthcare you need to see an in-network provider
All that being said, there are some “not the norm” insurance plans out there and you have to know your individual one in order to reap the most benefit from it. There are some plans out there that don’t have very many providers listed with them. This can seem frustrating as the consumer, but believe me, it’s also frustrating for the dentist. We have seen plans that will not allow you to see anyone but who they (the insurance) company tells you to see. These plans are knows as DMO and HMO plans and what we have found is the quality of care that you receive at these establishments are not the kind of dentistry that will last you a long time.
We pride ourselves on delivering quality dental care to our patients while also being able to help save them a little money by offering “in” network dental fee’s. It would be an honor to work with you to meet your dental goals. Please email us at info@PrestonOneDentalStudio.com or call our office at 214-431-4998 to schedule an appointment.