Dental Plan Basics: Know Your Insurance Needs

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Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in Philadelphia, call Gentle Dental of Pennsylvania today at (215) 789-9675 or make an appointment.

Gentle Dental offers affordable family dentistry and gentle, compassionate dental care in Philadelphia. With 14 affiliated practices in the Greater Philadelphia area, our offices are conveniently located with extended hours to meet your needs. At Gentle Dental of Pennsylvania, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at Gentle Dental of Pennsylvania.

Read What Our Patients Say
Patient Reviews
Friendliness and professionalism of staff
Deborah V.
Dentist and the staff always try to do there best to make you comfortable and concern about your questions
Ilham J.
I never give tens…so nine it is
Brandi G.
Nice staff, cleanliness, the dentist explained everything I asked.
Tasha R.
I came in for a cleaning, which went well. I was in and out in no time.
Diane K.
Dr Mark Menatola is excellent & his assistant Judy. They are the BEST!!
Denise B.
I have nothing bad to say about this place. Everyone was friendly and I felt completely comfortable. Haven’t gone to the dentist in awhile and the worse part was just the anticipation of getting […]
Similarity T.
Service is awesome
Kristian M.
Thank you Gentle Dental of Collingdale for stepping up for kids for Give Kids A Smile week! Thank you for helping make sure that all children can get good oral health care to stay healthy!!
Colleen M.
Everyone from the receptionist Lindsay to Dr.In everyone is so fantastic and friendly.
Kasie R.
The staff’s professionalism and quality work guarantee my return.
Robert C.
Estelle at the front desk was very professional and customer centric. Tara was amazing! I was in and out of there in 45 minutes including x-rays and meeting with the doctor. Good thorough job.
Greg W.
Friendly staff
Robert O.
I haven’t been to the Dentist in 11 years. The Staff here was highly recommended. They were wonderful and made my experience of going to the Dentist a very pleasant one.
Dennis M.
This dental practice has been amazing. They are professional, compassionate, and knowledgeable. I had not been to the dentist in quite some time, and was nervous about being reprimanded…nope all I […]
Cheryl O.
Fern is always so friendly & easy to talk to – even in the middle of a teeth cleaning. The dentist gives great advice & is extremely polite. I’ll pay for the more expensive dental plan […]
Paige K.
Dr. Machlus, did a great job on my teeth. His craftsmanship speaks for itself. It needs no Introduction. The receptionist and aides were outstanding as well. On top there job…not a moment to spare. […]
Donald B.
Staff and Dr. Mark are skilled people and very personable.
Gregory P.
The staff at Gentle Dentle remember all my family individually, we have a daughter who is special needs-they were great with her! It’s exactly what a great dentist office should be.
Marie L.
I’m very comfortable with gentle dental. .. very friendly, clean atmosphere. The staff is very caring and nice.
Dana N.
We Accept Most Insurance Plans!
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We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

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