Dental Insurance – Stuart, FL
Learn How to Save on Your Oral Healthcare
Paying for you and your family’s oral healthcare is a costly expense. However, with dental insurance in Stuart, you can reduce your out-of-pocket costs while continuing to receive the kind of high-quality care that is worth the investment. At Family & Implant Dentistry of Stuart, our dentists care about keeping fees low and patients happy, which is why we are in-network with many dental insurance plans and will work to maximize your benefits during every visit. If you want to learn what you can do to save more when receiving dental care, call our office to speak to a member of our team.
How Dental Insurance Works
Dental insurance generally covers preventive care, like dental checkups and cleanings, and restorative treatments, such as dental crowns and tooth-colored fillings. These services are considered medically necessary to improve your oral and overall health.
When looking at your policy, you will notice the available coverage for preventive and restorative care looks something like:
- 100% coverage for preventive care
- 80% coverage for minor restorative care
- 50% coverage for major restorative care
Cosmetic dental care is unlikely to be covered because it is deemed a non-essential luxury. While there are exceptions (i.e., a metal-free restoration to repair a damaged tooth), there are few.
What is the Difference Between Dental and Medical Insurance?
Dental and medical insurance might seem as if they should appear under the same umbrella, but they do not. Apart from helping you save money, they are vastly different.
Medical insurance is used after an illness or injury occurs. Your greatest savings include hospitalizations, surgeries, etc.
Dental insurance, however, is primarily used to minimize potential problems that might occur in the future. The highest percentage of coverage comes from preventive services, like six-month dental checkups and cleanings. The amount dental insurance companies pay for restorative care is less, but still substantial enough to help patients avoid high out-of-pocket costs.
In-Network vs. Out-of-Network
What is the difference between in-network and out-of-network? Our team understands it can be confusing trying to decipher the verbiage and how they work, which is why we offer the following brief explanation:
In-Network
Seeing an in-network dentist means that you are choosing to visit someone who has a contractual agreement with your dental insurance company. This means they have negotiated fees and services to ensure patients pay the lowest price for various preventive and restorative treatments.
Family & Implant Dentistry of Stuart is pleased to be in-network with the following plans:
- Aetna
- Ameritas
- BCBS
- Cigna
- Delta Dental
- Guardian
- Humana
- MetLife
- Principal
- United Healthcare
- And Many More!
Out of Network
Visiting an out-of-network dentist means the person taking care of your smile has chosen not to enter into any kind of agreement with your dental insurance plan. As a result, they can establish the fees for the services you receive. When choosing to place your smile in our capable hands, you can expect us to deliver the same level of high-quality care, as well as review your plan to help you get the maximum reimbursement, no matter what kind of preventive or restorative treatment you receive.