If you have a Delta Dental insurance plan, you can use the fullest extent of your benefits at our office. Not only will you save more money on dental care, but since we’re very familiar with Delta Dental plans, we can also help you navigate your policy and get the most out of your premium. You’re not alone when it comes to learning more about your dental insurance benefits!
Like most dental insurance plans, Delta Dental provides about 50% coverage for major restorative services, 60% - 80% for minor restorative services, and 80% - 100% for preventive services. The exact amount you receive will depend on the type of treatment and your deductible and annual maximum.
A dental insurance deductible is the amount of money you have to spend out-of-pocket before your benefits – and your coverage – will “kick in.” If you have a $500 deductible, for example, and need a minor restorative treatment that costs $1,000, you’ll pay $500, your Delta Dental benefits will cover 80% of the leftover $500, and you’ll be responsible for the remaining $100.
An annual maximum, meanwhile, is the maximum amount of coverage your plan will provide in a given year.
Both deductibles and annual maximums reset at the beginning of a new year, so depending on the timing and urgency of your treatment, it can be beneficial to wait to receive care. Keep in mind, though, that if the situation is urgent, waiting could make the problem significantly worse – and more expensive.
Your Delta Dental dentist in Terrell has negotiated service prices with Delta Dental, meaning we’re able to offer you the lowest possible rates. Technically, your benefits can still help you save money if you visit an out-of-network dentist. However, you’ll still likely end up paying more than you would by visiting an in-network dentist. Your policy should outline the difference in coverage so you can see a straightforward comparison.
Arguably the biggest benefit of seeing an in-network dentist is being able to receive biannual checkups and cleanings at little-to-no cost. These appointments will help you avoid cavities, gum disease, and other serious issues, giving you more opportunities to save money.