Dental Insurance – Longview, Texas
Affordable Dentistry to Keep You Smiling
Processing dental insurance claims is just one of the many ways that the Longview Dental Center team works to make your dentistry services more affordable. Our knowledgeable team will be happy to help you with all of your dental insurance claim questions to remove some of the stress from visiting our dental office. In order to ensure you have the lowest out of pocket costs for your dentistry services, we are also in-network with a number of dental benefit plans. If you have questions about dental insurance or you want to schedule an appointment with our team, call our Longview dental office today. One of our friendly team members will be happy to answer your questions and help you maximize your dental insurance benefits.
How Dental Insurance Works
Dental insurance policies are actually complex contracts between the individual patient, their insurer, and in many cases, their employers. Your specific coverage will be based on elections you’ve made, plan premiums, and a variety of other factors, so we’ll need to review your policy in order to provide an exact estimate of the out of pocket costs of your dental care. In most cases, traditional dental insurance policies offer the following coverage:
- 100% preventive care covered
- Minor restorative care around 70%-80% covered
- Major restorative care around 50%
What is the Difference Between Dental & Medical Insurance?
There are many differences between dental and medical insurance policies. The most obvious difference is in the types of services that receive coverage. Medical insurance policies offer the greatest amount of coverage for treatments to manage chronic illnesses and emergencies. Dental benefit plans are typically focused on preventive services, offering 80 to 100% coverage for most preventive dentistry treatments to help patients avoid oral health concerns.
In-Network VS Out of Network Dentistry
One of the main questions patients have about dental insurance is whether or not they have to visit on in-network dentist. A great things that sets dental insurance apart from medical benefits is the flexibility. You can receive coverage at almost any dental office. Below, we’ll provide more information about how in-network and out of network dental insurance coverage works in our office.
While you don’t have to visit an in-network dental office to receive benefits for most plans, there are some advantages to working with providers who are in-network with your insurer. The main benefit is that the in-network dentist agrees to charge fees that fall within your insurance plan’s set maximums. This sounds complicated, but it simply means you only need to pay the out of pocket costs of dental care. We offer in-network benefits for most local insurers, including the following:
- United Healthcare
Out of Network Coverage
If we are not in-network with your dental insurer, we’ll do our best to offer coverage that fits into your insurance plan’s set maximum fees. In some cases, our pricing may be higher. This means you’ll be responsible for the difference in price. In most cases, the additional fees are negligible, but if you’re concerned about pricing or benefits, please let us know. We’ll do our best to work with you and your insurer, so you’ll get the benefits you deserve.