Dental Plan Basics: Know Your Insurance Needs

dca-blog_understanding-dental-insurance

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
#1 and the most important is that you are getting in at your actual scheduled time. Super important! You don’t have to wait! They staff is pleasant, office is clean, easy going doctor and […]
Leonid V.
On time, friendly, caring, expert treatment
Karie D.
The dental hygienists, doctors, and staff are all very friendly and are helpful in calming my anxiety. When they are working on my teeth, they are gentle and understanding when I tell them I need a […]
Erin D.
The dentist was helpful, efficient, and kind.
Zacary H.
I have always received excellent care and the staff and doctors are always friendly and comforting – Vira -the hygentist-is wonderful and friendly. Doctor Finkelman has been my dentist for over […]
Patricia R.
Great staff. Positive working relationship and beautiful job.you are the best.You are special I appreciate your staff.Thanks to a great team
Sando K.
I went to get a root canal scared as ever it didn’t take long, painless and I like the fact that the dentist hid the needle from me.
Zahiyah B.
I love my dental hygienist Toni. She’s always friendly and on time and she cleans my teeth really good
Brian H.
Heather was very nice and patient with me
Antonia L.
The clinicians help me to maintain my dental health as I age.
Jeffrey P.
I felt comfortable and everything went great!
Laura G.
I love Dr In . He has been taking care of my family dental needs for over 10 years
Jessica C.
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.
I had a very successful visit with Dr. Minetela and his assistant Judy at Gentle Dental of Allentown. They were very straight forward and I’m glad to have my teeth taken care of by such a great […]
Phi H.
Loved the new doctor. Tara the hygienist is the best.
Emma B.
Excellent service and great staff! I hate the dentist but knowing how nice they are and making sure you’re comfortable makes me come back confident. Highly recommend their services
Somsouk P.
The staff was great
Daniel B.
The staff was extremely accommodating and friendly!
Samantha K.
Dentist Is great and dental hygienist too! Office friendly staff too
Annmarie A.
The dental assistant and doctor were very friendly and informative. They explained the information very well and showed me exactly what they were seeing. I appreciated how gentle they were as I am […]
Rosanna C.
We Accept Most Insurance Plans!
Learn More

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.

No Insurance? No Worries! See our discounts and offers here

Office Hours
    Get in touch:
    • Phone: (215) 789-9675