How Much Do You Know About Your Dental Insurance Policy?

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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
They are really caring and friendly.
Patricia F.
I am visiting my family in Richmond (from Nevada) and developed a toothache. My family called Gentle Dental, their dentist, on August 1st and they got me in on August 3rd. I had to have two teeth […]
Mary G.
I have a strong fear of dentist because of very bad previous experiences. They explained everything thoroughly and were very gentle with the exam. The staff was very friendly and professional.
Valerie L.
We were called on time of our appt…also we didn’t have to wait we were out of the office in a timely fashion
Tristen S.
It took me over 20years to get to the dentist. If I would have known Dr. Ascano was out there I would have gone sooner. From the very first visit he took all my fears away and made me feel […]
Sandra M.
The staff at Gentle Dental in Shelby Twp have been my dental professionals for over 20 years. The facility is extremely clean, the dentists are knowledgeable and friendly, Debi the dental hygienist […]
Michele C.
There isn’t a long wait, I like that they have security. The staff is very polite and the office is very clean. Parking is ok.
Shay T.
I recommend this office to anyone, they are the best! Dr. Wajeeh explains everything so that I understood and the ladies there are so nice, this is the best dental experience ever!
Michele B.
Dr. Zang, Amber, and Tonya did a wonderful job of making sure I was comfortable and understood what was going on. They were upfront with what treatment they recommended, and how much it would cost me […]
Dennis R.
Very happy and friendly staff. Really made me feel at ease when I felt nervous
John D.
I had a crown replaced that was only a year old since it cracked while eating. It was replaced free of charge.2nd thing done was a partial for my bottom teeth. I am Very Satisfied with Dr White and […]
Cynthia Z.
Excellent service as always ms Tonya and amber helped me so much
David E.
Just how friendly the staff are and how gentle they are when working on your teeth.
Michele S.
All of my needs were met! Everyone was extremely polite and friendly. Excellent customer service!
Chanel T.
I always have the best dental experience here! They are the nicest and most friendly staff. I always walk out of Gentle Dental in St. Clair Shores with a smile on my face. :)
Lydia K.
Dr Z is awesome. The staff is friendly yet professional.
Deana C.
Best dentist I’ve been to. Staff were very helpful and friendly. Dr. Duan is definitely the person to go to for exemplary dental work, and I highly recommend her. Worth the 30min commute.
Kaori M.
The dentist and dental assistant are always awesome and puts me at ease.
Tammi A.
Friendly office staff. The dentist I saw laid out a logical plan with a couple of options for fixing my dental problem.
James W.
My first visit to this office went much better than I anticipated, The staff at the front desk were friendly and attentive when I came in,was taken back right away to a examination room where Ronnie […]
Ron R.
We Accept Most Insurance Plans!
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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.

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