How Much Do You Know About Your Dental Insurance Policy?

dca-blog_understanding-dental-insurance

Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in Detroit, call Gentle Dental of Michigan today at (855) 979-3393 or make an appointment.

Gentle Dental offers affordable family dentistry and gentle, compassionate dental care in Detroit. With 8 affiliated practices throughout Michigan, our offices are conveniently located with extended hours to meet your needs. At Gentle Dental of Michigan, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at Gentle Dental of Michigan.

Read What Our Patients Say
Patient Reviews
Great job.
Keith L.
Dr Farber really cares about his patients that was the easiest root canal I've ever had done. I definitely have found me a great dentist. The entire […]
Phillip W.
My visits with the hygienist, Deb are always great.
Linda R.
My family and I love Gentle Dental. My son needed fillings for the first time and the dentist was so good with the injection that he didn't even know […]
Vincent P.
Dr. Farber is the best and the staff is very friendly and helpful.
Marilyn B.
I have only had my initial visit, but if the rest of my visits are anything like the first one, this will be the first dentist office I have truly […]
Connie B.
100% completely satisfied! The entire staff makes me feel completely at ease! Both the doctor and the assistant for my procedure were incredible. […]
Jayson M.
Terry and the front office staff are always personable. I never feel like just another patient.
Shantinique K.
I had my teeth cleaned and had a tooth pulled with no pain. The staff was very plasent.
James G.
Cheryl is always friendly and very professional....love Family Dental
Juanita H.
This office is great everyone is kind, patient and friendly. The staff goes out of their way to make your appointment great and work with your […]
Jackson Y.
I got 5 fillings yesterday. I could tell the office was busy, but they didnt rush and remained attentive to my needs.
Nickole F.
Everyone is helpful and caring.
Loren W.
Great staff & dentist!
Sarah L.
Both my dentist and dental assisitant were extremely friendly and provided excellent care.
Megan C.
I started going because of the name Gentle Dental and they hold up to the name. I am terrified of dentist mainly because of the pain, but here they […]
Tiara F.
Everyone was professional and friendly
Judith F.
This was the best experience I have ever had with multiple extractions. I would recommend you to anyone and everyone I can! Thank you!
Misty O.
Good experience and always friendly staff.
Rylee M.
Fast, professional, no excessive waiting, great value.
Joseph W.
Great work!
Timothy M.
I was very empresses with the service I recieved. I came in 2 hours early for my appointment, because I got the times confused. Instead of telling me […]
Michael C.
On time and price for service very fair.
John G.
All the staff are really friendly and very accommodating, Dr. Ray is great!
Olivia S.
You guys are fantastic! Everyone is super friendly and helpful. I really appreciate that everything was explained to me before surgery and when I […]
Hillary D.
Great experience, the staff and doctor are very professional and provide excellent service.
Renee C.
The service is great and everyone is very polite, nice and caring.
Kimberly Y.
Friendly Staff from Receptionist through Doctor Jim and Check out.
Mark S.
All went well better then I thought
Mary B.
I have a great rapport with my hygienist. She is thorough, informative and "doesn't hurt too much." She has a great personality and I trust her work […]
Patricia S.
Have been a patient for long time. No problem getting appointments. I appreciate the honesty I receive about work that needs to be done. All options […]
Gary F.
Their service is great!
Kailyn J.
Dr. Ballani is "awesome" and his staff is professional, talented & compassionate.
Laura O.
my experience is always excellent and the doctors and staff are always pleasant
Ellen D.
I am always happy with my hygienist/visit, she is very thorough.
Karen H.
I absolutely would recommend your office to everyone. I loved the staff and the doc and the prices are very affordable.
Constance S.
I don't like having dental work but this dentist office is one of best I have been to.
Sharon W.
Third vist everything was great.
Michael K.
Everyone at Gentle Dental Bay is great!
Stephanie C.
The best experience.
Mary H.
It was painless. The staff are very friendly. The TV makes the time go by faster.
Susan H.
Pleasant experience would be very hard to find s better place.
Ronald S.
Thank you for the work that was done on 12-12-2014 I was very very pleased.I appreciate everything.
Donna P.
My experience at Gentle Dental was Great. The staff was nice and caring. I came in to get an extraction and the Dr was very gentle and took his time […]
Latasha S.
all things are coming out good. the staff is very friendly and helpful. They answer all questions and put you at ease to make you feel as comfortable […]
Tracy K.
Dr. Madany and his team are first class. He is a perfectionist and takes great pride in the quality of his work.
William N.
I am always at ease no matter what type of dental work im getting done, from extractions to root canal my fears and anxiety are all addressed and […]
Andre Y.
Wreched morning sickness for six months ruined my teeth. Thanks for fixing and cleaning them. They did a great job.
Susan H.
Nice office and a great staff
Jeff L.
I use to go to the dentist office when I was younger & decided to give it a try. I was amaze at the service. It was great & on time... I'm a working […]
Malinda N.
We Accept Most Insurance Plans!
Learn More

We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

No Insurance? No Worries! See our discounts and offers here

Office Hours
    Get in touch:
    • Phone: (855) 979-3393