Dental Insurance – Harlingen, TX
Learning the Ins-and-Outs of Your Policy
Do you find paying for your care to be the most stressful part of each dental visit? Our team at Compassion Dental of Harlingen is here to soothe your worries by helping you better understand your insurance coverage and figure out the best options for maximizing your benefits. The information below will help familiarize you with the basics of insurance. Don’t forget to call your provider directly to learn the exact details of your personal plan.
Understanding How Dental Insurance Works
Stopping oral health problems from developing now can help you avoid a more costly procedure later. That’s why dental insurance plans provide the most coverage for preventive care like checkups and cleanings. Each plan has an annual maximum that allows for a certain amount of coverage each year. There is also a deductible that you’ll have to meet before your insurance carrier is able to pay for anything.
What Your Dental Insurance Plan Covers
The most common coverage structure for dental insurance plans is 100-80-50. This means they pay 100 percent of the cost of preventive care, 80 percent for basic treatments like cavities, and 50 percent for more complex procedures like tooth extractions. (Elective treatments like teeth whitening usually aren’t covered at all.) Every plan can vary, so talk to your provider to confirm what is and isn’t covered under your current policy. One of our staff members can also go over your benefits with you if you call with your policy information.
We Offer In-Network Savings & Welcome Out-of-Network Providers
If you have an out-of-network provider, we can often still file the necessary claims for you and help you maximize your benefits as much as possible. Call our friendly team today to find out if we accept your insurance before you schedule an appointment.