Delta Dental Insurance
Delta Dental is the largest provider of dental insurance in the United States, covering millions of individuals and families. If that’s who your dental insurance provider is, you need to find a dentist who is in-network with your plan. Your Delta Dental dentist in Rocky Hill is Dr. Thaddeus S. Michalski! He and our whole team of experts are happy to accept Delta Dental PPO, Premier, and Care USA plans. Keep reading to find out more about dental insurance, what your plan covers, and how we’ll help you make the most out of your investment in your dental health.
DENTAL INSURANCE: THE BASICS
Dental insurance works with a heavy emphasis on prevention. By covering the treatments that keep cavities, gum disease, and other oral health hazards at bay, your provider hopes to help you avoid the need for costly, complex care altogether.
When you visit a dentist who is in-network with your Delta Dental insurance plan, you know the provider has accepted Delta’s discounted rates for necessary services. That means you only need to worry about the percentage of the treatment cost not covered by your insurer. Some basic treatments are completely covered by many Delta Dental plans, but the majority require you to pay between 20 and 60% out of pocket. You will simply pay the percentage you owe at the time of your appointment. Our team happily processes and files your claim and takes care of everything else to make sure we receive the full amount later on! We want to make sure that our patients receive the maximum amount of dental insurance coverage and that there are no surprise fees down the line, so we may take the time to submit coverage preauthorization for more advanced treatments.
WHAT YOUR DELTA PLAN COVERS
Most traditional fee-for-service dental insurance plans work the same. In exchange for a premium, or a fixed amount you pay every month, you receive a list of services you can receive for free or heavily discounted.
Here’s a typical example.
- Preventive dental care = 100% covered.
- Necessary restorative treatments = 80% covered. This includes treatments like fillings, extractions, root canals, crown and bridge, inlays and onlays, and dentures up to your maximum.
- Cosmetic care and other elective treatments are usually not covered by a dental insurance plan.
MAKING THE MOST OUT OF YOUR INVESTMENT
The number one thing you need to know about your dental insurance plan is what’s covered under your plan. You should also remember that most dental insurance plans are set on a calendar year and do not roll over to the next year. That means if you reach your deductible, you will also want to get as close to your annual maximum as possible. By examining your overall treatment plan and considering your oral health needs, we can help you make wise decisions for your oral health and your wallet when we see your benefits are set to expire.
QUESTIONS? CONTACT US TODAY
If you’ve got questions about your Delta insurance plan, or if you are looking for a dentist who accepts your benefits, don’t hesitate to get in touch with your dentist in Rocky Hill. Contact us or go ahead and request an appointment online for high quality general, restorative, and cosmetic dental care today!