Dental Insurance Fulshear
Affordable Dental Care at Your Fingertips
When it comes to using your dental insurance to pay for treatment, you may feel a bit overwhelmed by the vernacular used to describe your benefits. Fortunately, our team at Villagio Family & Cosmetic Dental is well-versed in the details surrounding dental insurance in Fulshear and will be happy to review your plan, discuss the details, and make suggestions to help maximize your benefits so that you avoid losing money at the end of the year. To better understand how your dental insurance can work for you, keep reading or call us with any questions.
Understanding Dental Insurance
Dental insurance consists of a few key terms that are essential for you to know. First, there is the monthly premium, which you are required to pay if you want access to your available benefits. Other similar terms include:
- Deductible – How much you are expected to pay each year before your benefits kick in.
- Annual Maximum – The amount your dental insurance company is willing to pay each year.
- In-Network – A dentist who is in partnership with your dental insurance company and provides lower fees for services.
- Out-of-Network – A dentist who is not contracted with a particular dental insurance company, which means patients must pay more for the services received.
What is Dental Insurance & How Does It Work?
Most dental insurance plans are good for one calendar year, so you are provided benefits that will help you save money from January 1 to December 31. To get the most out of them, though, you must understand how it works.
As you continue to pay your monthly premium, you will need to meet your deductible before your insurer agrees to start paying more for treatment. Once met, your insurance company will follow similar benefit breakdowns that look somewhat like the following:
- 100% preventive care
- 80% minor restorative care
- 50% major restorative care
After meeting your deductible, you can expect that your dental insurance company will pay their designated amount for your restorative or emergency treatment as long as it does not go over the allotted annual maximum provided. If so, you are required to pay the remaining balance.
We Work with You
At Villagio Family & Cosmetic Dental, we are pleased to accept all major dental insurance plans and will work to maximize your benefits so that you save more each time you visit our office. Even if you’re uncertain about your coverage, don’t hesitate to call us and inquire.
How to Choose a Dentist
Finding a dentist you and your family can trust should require that you do your research to select someone who meets the criteria you desire. Although insurance may be a pivotal component in choosing the right oral healthcare provider, you should also consider their available appointment times, the proximity to your home or office, the type of services they offer, and the kind of approach they take when working with patients of all ages.
Should you have any questions about our dentists, dental team, or operations, call our office today.