Dental Insurance Stratford

Save Money & Your Smile with Dental Insurance

A dental insurance claim form

Caring for your teeth and gums at home is one of the best ways to ensure your smile lasts a lifetime, but brushing and flossing alone doesn’t go far enough. That’s why it’s important to visit your dentist regularly for things like routine preventive care and dental restorations. Unfortunately, however, although they’re worth the price, paying for these services out-of-pocket can be costly. That’s where dental insurance can help. If you’re looking for a dentist who takes your dental insurance, an in-network dentist in Stratford like Stratford Smiles is here for you!

How Dental Insurance Works

A man paying his dentist

In most cases, dental insurance plans follow the 100%/80%/50% rule. This means that 100% of checkup and cleanings costs are covered, 80% of “minor” procedures are covered, and 50% of “major” procedures are covered.

Typically, cosmetic dentistry treatments are not covered at all if they are considered elective; however, they may receive some coverage if the procedure is necessary for the patient’s oral health, such as for tooth-colored fillings or dental crowns.

Orthodontics may possibly be covered, but it depends on your individual plan.

PPO dental plans are usually restricted by a deductible, as well as an annual maximum and waiting periods. They typically allow you to visit any dentist you choose and receive some level of coverage, but this will vary depending on your individual plan.

HMO dental insurance plans have few to no terms, but they do require the policyholder to visit an in-network dentist or PCP to receive any level of coverage.

With dental insurance, you’ll likely pay a monthly premium in exchange for your coverage. Premiums are typically low and affordable, but higher premiums usually come with more favorable terms and coverage amounts.

What Is the Difference Between Dental & Medical Insurance?

One of the key differences between dental and medical insurance is that dental insurance prioritizes preventive care, while medical insurance is typically used for unexpected problems.

The best way to utilize your dental insurance benefits is to schedule preventive care every six months. That’s because these visits significantly reduce your risk of developing dangerous oral health conditions like gum disease and cavities, meaning you’ll also likely save money by not needing costly restorations later on!

In-Network vs. Out-of-Network

A woman filling out dental insurance paperwork

Whether a dentist is in-network versus out-of-network generally only makes a difference if you have a PPO plan, which most people do. Here’s a closer look at what these two terms mean, and how that translates to your coverage.

In-Network Coverage

A dentist who is considered in-network has already negotiated prices for treatment with your dental insurance provider. This means that you’ll receive more coverage by visiting an in-network dentist.

At Stratford Smiles, we are in-network with the following dental insurance companies:

  • Delta Dental
  • BlueCross BlueShield
  • Anthem
  • Principal
  • Ameritas
  • And many more!

Out-of-Network Coverage

A dentist who is out-of-network hasn’t negotiated with your dental insurance provider. While you will still receive some level of coverage if you visit an out-of-network dentist, you likely won’t receive as much coverage as you would with an in-network dentist.