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Dental Insurance Coverage

Insurance Coverage Forms At Mariya Barnett, DDS Family & Cosmetic Dentistry, we are happy to work with patients to maximize their dental insurance coverage. We know how important insurance benefits are to help patients ensure the cost of their treatment fits within their budget. With years of daily interactions with dental insurance providers, we are able to help patients maximize their coverage. More importantly, Dr. Barnett and her team take the time to help you understand how specific treatments are covered before we begin, so there are never any unpleasant surprise fees. Call our Dallas dental team today to find out more or schedule an appointment with us.

Understanding Your Benefit Plan

Dental insurance plans are complicated. They are unique to the individual person and employer, but the basics stay the same. Every month, you and/or your employer will pay a premium. This monthly fee is used to offset the cost of your dental treatment. As long as you pay your premiums, your insurance provider will cover a percentage of dental treatment costs as outlined by your individual plan. Typically, you can expect insurers to cover dental care at the following percentages:

  • Preventive dentistry – 80 to 100%
  • Restorative dentistry – 50 to 80%
  • Cosmetic dentistry – typically not covered by dental insurance plans
  • Orthodontics – usually received 50 to 80% coverage
  • Dental implants – not typically covered by dental insurance providers, but more and more plans are beginning to offer some coverage

In-Network VS Out of Network Insurance Coverage

In-network dental offices have agreed to predetermined fees for treatments outlined by your benefit plan. Out of network insurance providers do not have an agreement with your dental benefit plan, but in most cases, they will still process and file dental insurance claims and negotiate fees to ensure you receive the maximum coverage for your necessary dentistry services. Though we are happy to process and file claims for most dental insurance plans, we are in-network providers for many of the most popular insurers in the area, including:

  • BlueCross BlueShield
  • Cigna
  • Delta Dental
  • And many more…

Maximizing Insurance Coverage

Lucky for you, the easiest way to maximize your dental insurance coverage is to visit our office every six months for dental checkups. These preventive appointments are typically covered 100% by your dental insurance provider, so that means you receive complete coverage. Attending regular dental appointments to keep your smile healthy is also the best way to avoid more advanced oral health concerns that will be covered at lower percentages by your insurance plans. It’s a win win situation.

Other Financing Options

At the time of service, we ask that patients be ready to remit payment for the out of pocket costs of their care in the form of cash, check, or major credit card. If you need help covering your percentage of treatment costs, we work with CareCredit to provide low and no interest payment plans for qualified patients. CareCredit is a third party financier who works exclusively within the medical and dental fields. Apply to find out if you qualify for CareCredit today