Dental insurance is a wonderful resource for your family’s budget. It significantly reduces prices on the services that patients of all ages need to maintain a happy, healthy, long-lasting smile -- like checkups and cleanings, x-rays, and fillings. At Montgomery Family Dental, Dr. Katie Montgomery is in-network with Delta Dental, Aetna, and MetLife insurance plans. Keep reading to find out what that means for you and your loved ones!
How Dental Insurance Works
Dental insurance works sort of like medical insurance, except with more of an emphasis on prevention. By completely covering the services that keep cavities and gum disease at bay, it aims to reduce the risk that you will need costly, complex care later on.
In exchange for a monthly premium that is usually around $50, you are eligible to receive a number of preventive and restorative services for free or heavily discounted. Once you have reached your deductible, or the amount you must pay out of pocket before your insurance coverage kicks in, you may be eligible for up to $1,500 worth of care.
Most dental insurance is broken up on a 100-80-50 scale. That means you receive coverage for…
- 100% of preventive services, like cleanings and exams
- 80% of basic restorative services, like fillings, extractions, and root canals
- 50% of restorations like dental crowns, dentures, bridges, and complex procedures
Visit an In-Network Dentist
Selecting a dentist that is in-network with your insurance plan is important because it means you are eligible for your savings right away, rather than having to pay for care out of pocket and wait for a reimbursement to come weeks or months later.
Dr. Montgomery is in-network with the following insurance providers.
When you visit your dentist for a service that is fully covered by your insurance, you will not have to pay anything at all. For restorative care that requires you to cover a portion, you will simply pay the amount you owe at the time of your appointment. We will file the claim and receive the full payment later on!
Maximizing Your Dental Insurance Benefits
An in-network dentist can help you make the most out of your investment in your oral health by performing a verification of benefits. That’s when we call the insurance provider to find out just what you are eligible for, what your annual maximum is, and other important information. Based on this, we can provide specific tips to benefit your oral health and your wallet. The most basic advice is the same: taking advantage of your two FREE checkups and cleanings with x-rays each year!
Request an Appointment Today!
Are you ready to experience the difference at Montgomery Family Dental? Your dentist accepts the leading insurance plans to help you and your family afford the services you need to smile for life. To learn more about dental insurance or to start saving, we invite you to request an appointment today.