Dental Insurance – Tallahassee, FL
Ensuring Greater Affordability for Your Budget
At Boyd & Walther Dental Associates, we never want you to feel as if preventive, restorative, or emergency dental care is out of reach. We understand undergoing treatment of any kind can be expensive, but it’s important to remember that you should never forgo care just because you think you cannot afford to see a dentist. In fact, you could potentially cause more serious damage to occur, resulting in timely and costly procedures later on. Fortunately, our team is in-network with Ameritas and Sun Life along with other PPOs. We also happily work with out-of-network providers as well. Our team will go above and beyond to ensure the financial side of dentistry for you is stress-free. This means we will work on your behalf as well as file any claims. We are here to give you the best possible experience, so let us make sure you understand how your dental insurance in Tallahassee works. We invite you to call our office and let us know which plan you have so that we can begin to find ways to help you save the most money.
How Dental Insurance Works
When choosing to enroll in a dental insurance plan, most companies require that you pay a monthly premium to gain access to the many great benefits you will receive. It is similar to other forms of insurance (i.e., car, health) and it will allow you to better maintain your oral health throughout the years. There are a few key takeaways that you will need to know when purchasing a particular plan:
- Most policies are good for an entire year. This means you have 12 months to use your available benefits before they will expire. Any unused funds will be returned to the insurance company. Starting January 1, your policy will be renewed.
- Your deductible will determine when the insurance company starts paying more for the services you receive.
- Your insurance company will only agree to pay a set amount each year. This is known as your annual maximum. Should you go over this amount during the 12 months, you are responsible for paying the remaining balance.
There are tremendous benefits to keeping your six-month dental checkups and cleanings, especially since most dental insurance companies will agree to cover 80-100% of all preventive services. Not only does this allow you to stay on top of your oral healthcare, but it reduces your risk for potential problems in the future.
What is the Different Between Dental and Medical Insurance?
While dental and medical insurance require that you pay a monthly premium, the details of how they work differ greatly. With dental insurance, the company focuses more on preventive care, hence the emphasis on higher coverage for these services (80-100%). It is strongly advised that you seek treatment before a problem occurs, as major and minor restorative services are only covered at 50-80% depending on the type of treatment needed.
Medical insurance, however, focuses more on taking care of problems after they’ve occurred. This is where the two largely differ. It is highly unlikely that you will visit a physician unless you are feeling sick or experiencing a problem, which is why coverage levels tend to be much higher when requiring hospitalization, lab tests, or even specialty services.
In-Network vs. Out of Network
If the terms “in-network” and “out of network” do not make much sense, just wait. You will find that when you are reviewing your plan, there are columns for both in-network and out of network. In these columns, the deductible, annual maximum, and premiums will vary, and those that fall under the “in-network” category tend to be significantly smaller. This is a proven benefit you can expect when choosing to see a dentist who is in-network with your dental insurance company.
In-Network Coverage
At Boyd & Walther Dental Associates, we are pleased to be in-network with Ameritas and Sun Life along with other PPOs. By negotiating fees and services with most PPO insurance companies, we can make sure that you pay the lowest possible price for the services you receive while in our office. This allows you to enjoy more affordable dental care.
Out of Network
Even if you see a dental professional who is out of network with your dental insurance plan, you won’t have to sacrifice quality. While continuing to receive exceptional service, our team will file paperwork and claims on your behalf; however, you will be required to pay a bit more out of pocket.