Dental Insurance West – Bridgewater, MA
Help Make Excellent Oral Care Affordable
Regular dental care is a crucial part of keeping your smile beautiful, functional, and healthy, and dental insurance can help make essential oral health treatments more affordable and accessible. At Healthy Smiles Dental in West Bridgewater, our friendly team will be happy to help you understand how your policy works and what it will pay for during your consultation, and we’ll do everything we can to maximize your benefits so you can get the most out of your policy. Here’s a quick look at how dental insurance can help you preserve your oral and overall health.
How Dental Insurance Works
Most dental insurance plans offer coverage that works something like this:
- 100% coverage for routine care such as checkups, cleanings, and X-rays.
- 80% coverage for minor restorative work such as gum disease treatments and fillings.
- 50% coverage for major restorative treatments such as dentures and bridges.
- Dental insurance plans rarely cover medically unnecessary elective procedures such as cosmetic treatments.
- Orthodontic treatments may receive some coverage, but it may only apply to minors listed as dependents on the insurance plan.
HMO insurance plans do not usually come with any restrictions other than requiring policyholders to see in-network dentists to qualify for coverage. PPO plans, however, may allow policyholders to receive coverage if they see out-of-network dentists, but they usually impose limitations such as waiting periods, deductibles that must be met before benefits take effect, and an annual maximum defining the greatest amount of money the policy will pay in a year.
What Is the Difference Between Dental & Medical Insurance?
Most medical insurance plans are designed to provide coverage in the event of unforeseen health issues. Dental insurance plans, on the other hand, are typically designed to encourage patients to receive regular preventive care that can make costly restorative and emergency treatments unnecessary, which helps keep policyholders healthy and rates low. The best way to get the most value out of your dental insurance plan is to schedule biannual dental appointments at our West Bridgewater office so we can help you avoid painful dental injuries and infections.
In-Network vs. Out-of-Network
HMO policyholders will probably be required to see in-network dentists to receive coverage. PPO policyholders, on the other hand, will probably have a choice between in-network and out-of-network dentists.
In-Network Coverage
A dentist who is in network with your insurance provider has negotiated for policyholders to receive more coverage when receiving treatment at their office, which means you may be able to save a lot of money versus seeing an out-of-network dentist. At Healthy Smiles Dental, we are proud to be in network with:
- Delta Dental Premier
- BlueCross BlueShield Indemnity
- Altus Dental
- Cigna PPO
Out-of-Network
A dentist who is out of network with your insurance provider has not negotiated prices with your insurance company. While a PPO policyholder may receive some coverage when seeing an out-of-network dentist, it will probably not be as much as they would receive if they saw an in-network provider.