The team at Thrive Dental and Orthodontics wants you to know that our priorities are to offer you safe, effective, comfortable, and affordable dentistry services. We know dental work can be costly, and when it comes to deciding between a root canal or paying for your child’s school necessities, you will likely choose the latter. At our practice, we don’t want you to have to make that decision, which is why we are proud to be in-network with a host of dental insurance companies and will always take the time to ensure your out of pocket expenses are minimal. To learn more about what we have to offer and how we can help you maximize your insurance benefits, contact us today!
You must think about dental insurance as a contract. When choosing to enroll, you make a deal with your insurance company that you agree to pay a monthly premium for access to your plan and its many benefits. For a single calendar year, you are obligated to pay a designated amount each month, all while taking advantage of all the various components of your plan that are designed to improve your oral health.
While each plan is different, dental insurance is focused on preventive care. This is why you will find that most companies cover between 80-100% of preventive services (i.e. checkups and cleanings, X-rays, dental sealants, fluoride treatment). Should you require additional services throughout the year (i.e. restorative or emergency), your plan will cover anywhere from 70-80% for minor care and 50-70% for major care.
Once you’ve met your deductible, you can watch as your insurance company begins to pay more for the services you receive. But be mindful of the annual maximum associated with your policy, as this is the allotted amount your insurer agrees to pay in a single year. Should you go over that amount, you will be expected to pay the remaining balance.
As we mentioned earlier, dental insurance is designed to prevent problems before they start. Tooth decay, gum disease, cavities, and other dental issues can be prevented if proper measures are taken (i.e. six-month checkups and cleanings as well as additional fluoride treatments, dental sealants, and oral cancer screenings).
Medical insurance, on the other hand, focuses more on the reactionary aspect. When a problem occurs, you schedule an appointment to see your doctor to address and treat the symptoms.
When signing up for your dental insurance plan, you probably noticed a column for in-network and one for out of network. The reason for this is that in-network saves you more money. However, it is up to you. If you switch insurance plans and your current dentist is not an in-network provider, you will need to decide as to whether you want to continue seeing them or switch to someone who may end up saving you more money.
At Thrive Dental and Orthodontics in Frisco, TX, we are an in-network provider for a long list of dental insurance plans. These include:
Blue Cross Blue Shield
Lincoln Financial Group
This means we have established agreements with these companies to set certain prices for services you receive. You’ll not only get the highest quality dental care, but it will be much more affordable to you and your family.
If you choose us as your dental provider but discover we do not have an in-network agreement with your dental insurance, we will work to help minimize your out of pocket expenses while ensuring you receive high-quality dental care.