Understanding How Your Dental Insurance Works
Dental insurance is quite different than health insurance, making it important for patients to understand the differences and exactly how dental insurance works. Ivonne Castro Family Dentistry operates under full transparency and is here to help you better understand your dental insurance.
Dental Insurance: Background, Types, and Coverage
Dental insurance differs from health insurance due to its calendar year maximum. Dental insurance coverage typically ranges anywhere between $1000 to $2000 per calendar year. Once your dental insurance carrier has reached this maximum amount paid within a calendar year, there are no available benefits until the start of the next calendar year. This also includes your dental cleaning benefits. Dental insurance typically falls within two categories: PPO and HMO. PPO allows patients to choose their own dentist even if they’re out-of-network. HMO assigns patients to a dentistry where they must go in order to receive their benefits.
Most dental insurances cover procedures at a certain percentage depending on the type of dental procedure. Generally, the more expensive the procedure, the lower the percentage is that the insurer covered. Cleanings and exams are typically covered at 100% while fillings are covered at 70%-80% and crowns are covered at 50%.
Our Health-Centered Approach to Dental Insurance at Ivonne Castro Family Dentistry
Ivonne Castro Family Dentistry will never let the insurance company interfere with your quality of care. We work hard to ensure that your dental insurance benefits are optimized so that you get the most out of your dental insurance. Our health-centered approach to dental insurance at our practice in Belle Chasse, LA focuses on empowering you with information so you can take control of your dental health. We believe that by providing you with high quality professional care, educating you on dental-related matters, and supporting you through ongoing coaching, we can help you reach optimal dental health. Good health is truly the greatest wealth that one can possess in life. We are proud to serve patients from Belle Chasse, Plaquermines Parish, West Bank New Orleans, Harvey and Algiers. For more information regarding dental insurance, please contact us at 504-372-6119 and schedule your appointment today!