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
Tara your dental hygienist is the fantastic, efficient, professional and does a really thorough cleaning and polishing my teeth. I recommend her to all my family and friends!
Joanne C.
Everyone at this dental office is very helpful and courteous
Audrey P.
Mark Minetola and Michele Ferguson are two of the best dentists in this area by far ! I absolutely love my hygienist, she always does an amazing job. Judy Lees is an awesomely amazing assistant and […]
Lorrie R.
Doctor and hygienist were thorough and friendly.
John B.
Your technician is very thorough and reliable. You keep my teeth in good shape.
Joan G.
Great service, friendly staff, transparent procedures
Christian S.
The expertise, professionalism, respectful manner of all with whom I met, but especially Dr. A. & Mary Beth.
Helen D.
I love them! They are truly a painfree dental experience! I am so happy to have found them when I had an emergency. I will stay with Gentle Dental for on.
Jean M.
I recommended Gentle Dental to my friend. She is as happy with the staff and service as I am!!
Diana R.
Awesome Dentist & Staff. I Will Use This Group as My Regular Dentist. The Front Desk Ppl Were Friendly & Helpful and the Dentist Did Not Make My Teeth Hurt or Ache. 2 Thunbs Up To This Group
Rita M.
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 […]
Similarity T.
My experience at this office has always been very good
Audrey P.
Staff is always polite sand friendly. The dentist takes his time and shows much compassion for his patients
Lynette W.
friendly, professional, very caring and gentle, good communication about service, cost
Jennifer C.
Wonderful dental hygienist! She is friendly and professional. I feel comfortable with her and she’s just fantastic!
Melissa S.
My experience with Gentle Dental has always been 1st rate from all the employees I have dealt with which includes Katryna, Dr In, and the office mgr Hollie Cooper. I would recommend their office to […]
Donald M.
The staff at this office is friendly and professional. I have been going here for 3 years or so and I have only had good experiences.
Brian R.
Before last week I had only ever gone to the same dentist since I was born. However, since they were only a pediatric dentist I had to stop seeing them once I turned 19 and had to find a new dentist […]
Takyra K.
Great service
Johanna K.
The dental hygienist was very nice, she answered all my questions and was great at explaining them along with pointing out what concerned her and why. She was also very gentle (no pun intended) with […]
Dave C.
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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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