Dental Insurance - Lincoln, NE
If you’re like many of our dentistry patients, you have a dental insurance plan, you know it’s supposed to make your care more affordable, but you aren’t exactly sure how it works or how to get the most out of it. At South Ridge Dental, we’re happy to fill in the gaps and tell you everything you need to know so you can save as much as possible whenever you come to see us. Keep reading below to get some quick tips on how to maximize your benefits at every visit.
Dental Insurance vs. Medical Insurance
One mistake that many people make with their dental insurance is that they assume it works just like their medical insurance, in that it’s mainly intended to help when something goes seriously wrong.
While dental insurance does offer coverage for restorative care to help with damaged teeth, most plans are actually focused on helping people pay for preventive services so they won’t need dental repairs in the first place. Basically, dental insurance is designed to help patients take care of small problems right away so they don’t turn into bigger (and more expensive ones) later.
How to Get the Most Out of Your Plan
While every dental insurance plan is different, most benefits tend to break down like this:
- Preventive services (checkups, cleanings, X-rays, dental sealants) are covered 80-100%.
- Restorative services (fillings, crowns, dentures, extractions, root canals) are covered 40-80%.
- Cosmetic services (teeth whitening, porcelain veneers, direct bonding) are NOT covered because they are deemed elective.
With this in mind, the best way to maximize your benefits is to simply attend your two recommended checkups and cleanings each year. These appointments will be mostly or completely covered by your insurance, plus they’ll go a long way in helping you avoid the need for more involved procedures!
In-Network & Out-of-Network Plans Welcome
Unlike with medical insurance, you can still save quite a bit on your dental care by visiting a dentist even if they are out-of-network with your plan. Our experienced team is very familiar with the particular ins and outs of many different plans, and they’ll make sure you’re getting every dollar you deserve at your appointments.
Of course, we are also in-network with some of the most popular providers in the country, including:
- Aetna
- Ameritas
- BlueCross BlueShield
- Cigna
- Delta Dental Premier
- Guardian
- Medicare Advantage
- MetLife
- Principal
- United Concordia
- United Healthcare
Whether your provider is on this list or not, we recommend giving us a call to learn how we can use your specific plan to help you save. After we confirm your benefits, we’ll even file the claim for you so you can avoid having to fill out all that paperwork! At South Ridge Dental, we’ll make saving on your care one of the easiest parts of your appointments.