We know that sometimes, finances can have a big influence on who your family chooses for a dentist and how often you receive care. Investing in dental insurance can make it easier to fit high-quality dental services into your family’s budget. If you and your loved ones are covered by an insurance plan, you will be happy to learn that we here at Jacksonville Complete Dentistry are in-network with a number of popular insurance providers and will work closely with our patients to ensure they receive the maximum reimbursement for care. Keep reading to learn more about how dental insurance works from your dedicated dentist in Jacksonville.
If you are covered by dental insurance, you or your employer pay for your coverage every month in the form of a premium. This usually costs around $50 for an individual and $150 for a family. In exchange for this amount, you and anyone else covered under your plan can receive a list of general, preventive, and restorative dentistry services either completely covered or at a significant discount once you have reached your deductible.
The specific details of your plan may vary based on certain decisions made at the time of enrollment. The copay, annual maximum, and other fees can be different from one patient to the next -- but in general, coverage looks like this:
Dental insurance works with a more significant emphasis on preventive care than your medical coverage does. The philosophy of most dental insurance plans is centered around ensuring you can keep issues like cavities, gum disease, and others from happening altogether with regular checkups and cleanings. Early detection can also ensure that, if issues do develop, the treatment can be as conservative as possible.
Dental insurance is also different from medical in that you are not necessarily penalized for choosing an out-of-network provider. Our office will process and file your claim to ensure you receive the maximum reimbursement after you have paid out of pocket.
As mentioned earlier, even if your insurance provider is not listed above, we will be happy to work with you to ensure you can stretch your benefits to the maximum. That means filing and following up on your claims so you can get the maximum reimbursement. As an out-of-network dentist, we are sometimes unable to access a list of your benefits -- and so will expect you to be fully informed about the details of your plan. This information can be accessed online or by calling your insurance provider directly. If you ever have questions or concerns, don't hesitate to give us a call.