Dental Insurance – Enfield, CT
Making Dental Care More Affordable
Whether you bought dental insurance on your own or have benefits through your workplace, your policy can prove to be a valuable asset. Not only could it allow you to enjoy low-cost preventive services, but it might also be a major help for those times when your teeth and gums need a bit of restorative care. But how can you get the most out of your insurance? Our Enfield, CT, team is here to help. We welcome insurance, and we can make the process of using your benefits as easy as possible.
How Dental Insurance Works
Countless dental insurance plans are available, and each one is unique. Therefore, we cannot provide exact details on how your coverage might work. However, we can provide a basic overview of the coverage that is standard with many PPO plans.
- Preventive care is often 100% covered. Some plans even waive their deductible for cleanings and exams.
- Basic restorative treatments are often up to 80% covered.
- Major services may be around 50% covered.
- Cosmetic treatments and elective procedures are typically not covered at all.
Many plans also have a deductible, waiting periods, and an annual limit on how much the insurance company will pay for approved services.
What Is the Difference Between Dental & Medical Insurance?
Medical insurance is meant to support your head-to-toe health, so it covers physicals and treatment for a range of systemic ailments. It does not generally cover routine oral health services, such as cleanings, exams, fillings, and crowns. Dental insurance does often cover those procedures.
In some cases, there is a small amount of crossover between the two types of insurance. For example, they might both apply to certain oral surgeries or other major services.
In-Network vs. Out-of-Network
Whether our practice is in your insurance plan’s network or not, we invite you to call us to learn how you may be able to use your benefits in our practice.
In-Network Coverage
If we are in-network with an insurance company, it means we have a contract that manages prices and encourages a certain level of care. Often, out-of-pocket fees are lowest for patients at in-network practices.
We are proud to be in-network with:
- Delta Dental of New Jersey
- MetLife
- Anthem BlueCross BlueShield
- Guardian
- Cigna
- Aetna
- Assurant
- Sun Life
- United Healthcare
- United Concordia
- And more — give us a call to learn if we are in-network with your specific plan.
Out-of-Network
If you have a PPO dental insurance plan, you are free to visit virtually any dental practice in the U.S., regardless of network status. If we are not in your insurance network, you may still enjoy many of the same perks that you would when visiting an in-network provider. Remember, the most important thing is to partner with a dental team who deserves your trust!