A Quick Guide to Finding a Dental Insurance Provider
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Dental insurance is a big deal for your overall health and well-being. It’s there to help you cover everything from regular check-ups to those pricey dental procedures. But, finding the best dental benefit plan is not always straightforward. There are so many options out there, and figuring out which one suits you best can be a bit of a challenge. Here are 3 things to keep in mind as you begin your search.
Understand what Dental Insurance is (and what it isn’t)
Dental insurance is specifically designed to provide benefits for dental care. It helps cover the costs of essential procedures like cleanings, fluoride treatments, x-rays, root canals, and implants to maintain optimal oral health. There are certain cosmetic procedures like Lumineers which may be covered under certain circumstances.
Usually, dental insurance involves deductibles, copayments, and maximum annual benefits. Deductibles are the initial out-of-pocket amount you pay before insurance starts covering costs. Copayments are the portion you pay for each dental procedure or visit. And the maximum annual benefits cap the amount your insurance pays for dental care within a year.
Figure out your Options
There are a few different ways to actually get covered:
- Through your employer: Many Philadelphia companies offer dental insurance as part of their benefits package. You can enroll during the company’s open enrollment period.
- Directly from an insurance company: Buy dental insurance from an insurance company like Delta Dental Insurance.
- Via a healthcare exchange: If you’re self-employed or lack employer coverage, you might find dental insurance through a healthcare exchange.
- By joining a discount dental plan: These are not insurance plans but offer discounted rates at participating dentists for an annual fee.
Research and Compare Plans Online or Through an Agent
Main Street Dental Center City accepts most major PPO dental insurances and is a Delta Dental Provider in Philadelphia. Our office also provides in-house payment plans, third party financing and more.
Here are some of the common dental insurance providers we bill:
- Aetna PPO
- Cigna PPO
- Delta PPO
- Guardian PPO
- Metlife PPO
- UCCI PPO
- United Concordia PPO
- Firefighter & Police PPO
This list is not a comprehensive list and can change. Please check with our dental office for all up to date insurances.
Unlock your perfect smile at Main Street Dental Center City with acceptance of major PPO dental insurances!
