Dental Insurance – Chicago, IL
Make Dentistry More Affordable
Whether you have dental insurance through your employer or you purchased a policy on your own, you can view it as an asset. It may allow you to enjoy low-cost preventive care and reduce the cost of restorative procedures. But how can you make sure that you are getting the most out of your benefits? Our Chicago, IL, team is here to help. Continue reading below to learn more about how we may be able to make dentistry more affordable.
How Dental Insurance Works
Every dental insurance plan comes with its own set of details and stipulations, so you will need to examine your policy to find out how it applies in various situations. In the meantime, we can give you this overview of the standard coverage provided by most PPO plans:
- Preventive care: 100% covered.
- Minor services: Up to 80% covered.
- Major services: Around 50% covered.
- Orthodontia: Around 50% covered on some premium plans.
- Cosmetic treatments: Usually not covered.
Your plan may come with other details as well, such as a deductible, a waiting period before you can receive coverage for certain services, and an annual maximum. All such stipulations can affect your out-of-pocket costs for any given treatment plan.
What Is the Difference Between Dental & Medical Insurance?
Medical insurance has a broad focus on your overall health. However, it does not cover preventive dental services, such as cleanings and exams. It might cover certain major oral procedures, such as some types of oral surgery. Dental insurance, on the other hand, has a strong preventive focus, which is why it provides greater coverage levels for routine checkups, cleanings, and other basic services.
In-Network vs. Out-of-Network
Regardless of whether we are in your plan’s network, you may be able to use your insurance in our practice. We want to help you maximize your benefits regardless of network status!
In-Network Coverage
If a practice is “in-network” with your dental insurance plan, it simply means that they have a contract with your insurer that controls prices and promotes a certain level of care. Often, out-of-pocket fees are lower at in-network practices.
Smile 312 in Chicago is proud to be in-network with:
- Delta Dental
- BlueCross BlueShield
- Cigna
Out-of-Network
Many PPO dental plans allow their policyholders to use their benefits at any dental practice, including ones that are out-of-network. Therefore, even if we do not have a contract with your insurer, we still welcome you to find out how we can help you use your policy. Simply call us to provide your insurance information so we can explore how you can get the most out of your plan.