Dental Insurance – Indianapolis, IN
Affordable Dentistry Designed For You
Dental insurance in Indianapolis at Indy Dental Group is one of the most worthwhile investments a person can make in their smile. Its ability to reduce out-of-pocket expenses on necessary dental care makes it easy to take better care of one’s oral health without the additional financial burden of treatment costs. At Indy Dental Group, we are pleased to help patients maximize their benefits and file insurance claims for most PPO plans, so if you are looking to learn if we accept your policy, contact us today.
How Dental Insurance Works
When enrolling in dental insurance in Westfield, you agree to pay a monthly premium for access to a host of benefits. Although not all insurance policies are the same, most design their plans in a way to encourage clients to pursue preventive care. This not only allows patients to take better care of their oral health year-round, but it reduces the chances of possible damage and decay later on, which often require restorative dentistry. Although dental insurance plans offer coverage for minor and major restorative care, it does require that they pay a portion of the cost once you meet your deductible.
You will find, however, that most cosmetic treatments are not covered by your dental insurance plan because they are deemed “elective” by insurance companies.
What is the Difference Between Dental and Medical Insurance?
Many individuals assume dental and medical insurance are the same, but they are not. Medical insurance takes a more reactive approach by offering the highest level of coverage for things like hospitalizations, lab testing, specialist visits, etc. This is often most widely used when an accident occurs, or you become sick and need help from a doctor.
Dental insurance in Carmel, however, promotes preventive care, which means getting treatment before problems arise. By seeing a dentist every six months for dental checkups and cleanings, you not only minimize your risk for serious oral health problems, but you also have the chance to take care of your smile without the added expense.
In-Network vs. Out of Network
When reviewing your policy, you will find there are two columns: one for in-network providers and one for out-of-network providers. When comparing the two deductibles, annual maximums, and coverage levels, you will find that seeing an in-network dentist will cost less. However, it does not mean that you will receive better care at one more than another. You can still choose to see a dentist who is out of network and receive exceptional dental care, and they may be able to file claims on your behalf to try and help you receive a reimbursement from your insurance company.
At Indy Dental Group, we are pleased to welcome the following PPO dental insurance plans:
- Delta Dental
- United Healthcare
- United Concordia Dental
- Dental Health Options
- And more!
Out of Network
If you choose to see us or a dentist that is not in-network with your dental insurance plan, do not worry, as you will still receive exceptional service and care. You may just be required to pay a higher price on the day of your treatment, but we will still help to file your paperwork and claims so that you may receive a reimbursement from your insurance company.