Dental Insurance – Brooklyn

Receive Quality Oral Healthcare at an Affordable Cost

Do you have dental insurance through your employer or by a different method? This is an excellent tool to take advantage of. By signing up for a dental insurance plan, you can receive quality oral healthcare at an affordable cost. Dental insurance works differently than the medical insurance that you’re used to, so it can be difficult to navigate at first. Fortunately, we’re here to help! Read on to learn more about dental insurance and what you should do to maximize your coverage.

How Dental Insurance Works

When you pay your monthly premium, you gain access to discounts on many dental treatments and procedures. Everyone’s plan looks a little bit different, but here is what you can typically expect:

  • 100% coverage on preventive treatments.
  • 80% coverage on basic restorative treatments.
  • 50% coverage on major restorative treatments.

Ultimately, the reason behind this structure is that by regularly attending your cleanings and checkups, you can prevent the need for restorative treatment in the future as they are covered at a lower rate. Here are some key points to keep in mind:

  • Dental insurance plans renew at the beginning of the calendar year. Benefits don’t carry over.
  • You must meet your annual deductible before coverage kicks in.
  • Your annual maximum is the designated amount of money that your dental insurance company agrees to pay in a year. If you don’t reach this amount, the remaining balance is returned to your insurance company.

What Is the Difference Between Dental & Medical Insurance?

Medical insurance and dental insurance sound like they would be similar, but they have several big differences. The main one is that dental insurance is focused on preventive care. That’s why most plans include complete coverage for cleanings, checkups, and routine X-rays. Ultimately, patients can avoid more complex procedures, like root canals and tooth extractions.

In-Network vs. Out-of-Network

When you are choosing which dentist you want to see, it is key to know if they are in or out of network. Here’s what this means.

In-Network Coverage

When dentists are in-network with an insurance company, this means that they’ve mutually agreed on a contract to offer services at set fees. By choosing an in-network dentist, you can better maximize your benefits and lower your out-of-pocket costs. At Brooklyn City Dental, we are proud to be in-network with the following providers:

  • Cigna
  • Aetna
  • Guardian

Out-of-Network

If you have another dental insurance provider, this doesn’t necessarily mean that you are out of luck when it comes to coverage. Call us so we can discuss your plan. We want all of our patients to receive the dental care they need at an affordable cost.