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.

Our patients leave smiling!
Patient Reviews
I like this practice and they are very good with chilren. I always have a good experience with my daughter.
Madelyn N.
They do great work very happy and I would recommend everyone to go there.
Elwood C.
Natalie did a great job as usual with no pain.
Edwin J.
i just recently started going here. its a GREAT place to go!!!!!!! they are all so nice. I recommend this place to friends and family . I Love my […]
Alexis P.
Another great visit from the staff at Gentle Dental.
Albert M.
i had been up all night with this bad pain so i got up and went down to GentalDental no appt. I walked in explained my problem and was told i could […]
Richard W.
The best dental care I've ever received.
Robert G.
Great service. Very welcoming and warm people. I was scared to death. I hate the dentist and they made it not so scary.
Erica C.
excellent service!!!!
Antonia N.
I had a great visit. Everyone is so professional and my cleaning was great. I can't wait until my next visit!
Megan R.
Thanks for your proffesionalism Dr In and the whole staff.
Robert C.
Dr. Wendy and her assistant were amazing. I was very nervous about the procedure, and they made me feel comfortable and relaxed.
Allison F.
Great appointment as always!
Lucy D.
Very pleasant atmosphere and people are very attentive. They make you feel very comfortable.
Nancy H.
dental hygienist was great. i believe name is erin. put me at ease enough to get the job done..and that is not an easy thing to do...
Barbara P.
Everything I went there for turned out fine.
Janet K.
Staff very friendly, good timing,no long waits
Mildred T.
I think the girls were very friendly and easy to talk to. The dentist was super sweet and gentle. I didnt feel a thing well until the novacaine wore […]
Diana M.
The women in that office were amazing!! They are all professional and very friendly. I would highly recommend them to anyone.
Marc H.
Staff is the BEST! I also love the fact that it's an all female staff.
Crystal S.
Pleased with visit and great staff
Yvette C.
I never like going to the dentist until coming to Gentle Dental.. As I open the door Treat greeting from the ladies in the front windows.. Smiles […]
Jema G.
I was taken right away, treated professionally and curtiously. Donna is great!
Joann C.
Excellent care, especially for an emergency visit.
Theresa M.
Very friendly and efficient staff.
Michael S.
Everything was swift and organized. Was in and out and the staff was great.
Michael P.
Great place and people
Angela H.
Excellent service on an emergency appt....
Elizabeth R.
I had a question of an item Dr Finkleman had done to my mouth. I returned and he explained again and things are perfect.
Audrey R.
Natalie at springfield office is great! thorough, gentle and caring.
Edwin J.
I was very pleased with the service and treatment.
John H.
Saw me immediately for dental emergency
James K.
The office was clean and the staff was friendly and professional. The doctor was very caring and helpful.
Shauna M.
nice and gentle
Joan D.
Short wait, courteous personnel, and speedy procedures. Both Hygienist and DD were very responsive to my concerns. It might help if the procedures […]
Livio A.
Everyone there in the Springfield, PA practice takes the time to explain every procedure, every step, and all are very pleasant and make you feel […]
Nancy H.
The whole staff was very professional and caring.
Alisha W.
great fast service and nice people.
Christopher K.
Very friendly, would definitely return.
Shikina M.
My experience here has been great! The staff is very professional & courteous.
Renae M.
I found the office staff very nice and the dentist took his time with me and explained everything that I needed done
Frances B.
My experience was great. Staff was great, no issue or problems. I actually look forward to my dental appointments.
Richard C.
Everyone is very nice!
Jeanette R.
Thorough, accurate, enjoying their work. Calm and unhurried.
Jessica Y.
Very satisfied with overall experience ! Tooth looks great , would never know anything was done to it :)
Carol R.
Very patient freindy environment, always ask you are you OK? while servicing your teeth:-)
Mildred T.
As always, a great experience! Going to the dentist is usually not described in so many words, but the staff at Gentle Dental Haverford make you feel […]
Melissa B.
Everyone is always so friendly and caring! To say the staff go above and beyond is an understatement!
Sarah W.
Staff was very friendly and they were able to save me time by fitting me in for a cleaning in addition to my x-rays on the same day. Dr. Minetola […]
Ronald H.
Pleasant and knowledgeable staff. Only thing that is bad is that lot can sometimes be really filled with cars
William M.
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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