Dental insurance is an important consideration for many of our patients, and that is why we work hard to help maximize benefits whenever possible. Dr. Robert V. Hughes is your Cigna and Delta Dental dentist in Ardmore! Are you covered by another PPO plan? Our team will file and process your claim to help you get the maximum reimbursement on any out-of-pocket costs. Keep reading to learn more about how dental insurance works at our practice, including how you can start saving today!
How Dental Insurance Works
Most dental insurance plans are fee-for-service, meaning that in exchange for a monthly fee (the premium which is paid by you or your employer), you are eligible to receive certain preventive and restorative services for free or at a heavily discounted rate. Most premiums hover around $50 for an individual and $150 for a family.
When you visit an in-network dentist for a service that is completely covered by your insurance plan, no money exchanges hands at all. For anything else, you will simply pay the amount that is owed at the time you receive treatment (usually between 20% and 50%, depending on the treatment being performed). We file the claim and receive the full payment later on.
Most dental insurance plans are set on a calendar year and also have an annual maximum, or the amount the dental insurance is obligated to cover for care after you have met your deductible. We can help you strategically use your insurance benefits to ensure you maximize your benefits each year.
In-Network vs. Out-of-Network
Dental insurance works much like medical insurance, except that you are not necessarily penalized for visiting an out-of-network dentist. We are in-network with Cigna and Delta Dental insurance, but patients with any PPO plan are free to visit our office for the same high-quality care -- while still taking advantage of their insurance benefits. We will file, process, and follow up on your claim to help you get the full reimbursement for any services rendered.
Maximizing Your Dental Insurance
You can receive two checkups and cleanings per year for free with your dental insurance -- and taking advantage of this benefit is the best way to make the most out of your investment in insurance. Routine dental care is a vital aspect of healthy, long-lasting smiles. When you visit us every six months, we can help you avoid the need for restorative dental care altogether! And since these appointments are fully covered by dental insurance, you don’t really have an excuse to skip them anyway. So with that in mind, when was YOUR last visit to Dr. Hughes?
Schedule an Appointment Today!
If it’s been more than six months since you visited the dentist and you have dental insurance, it’s time to come in! We can help you take advantage of your insurance benefits for the good of your wallet and your smile. Go ahead and request an appointment with your Cigna and Delta dentist in Ardmore today!