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
I gave a high score because I am treated well at this office. Everyone here is extremely nice from the very beginning. This is why I have come here for 10 years or so.
Lianna T.
Good
Lisa C.
I was referred here by family and I’m very happy I decided to come here! Dr. Duan is such a sweetheart and her team is amazing as well. After having a HORRIBLE experience with my previous dentist, […]
Ashley G.
Gentle dental employees are very professional warm ,the best experience i have ever had at a dental office. Keep up the good work gentle dental!!
Marianne E.
The people at family dental group always show me that they care and are professional in the dental service they provide for me.
Dexter G.
Decided to change dentist for my 15yr old son and super pleased i did over all seems like the best decision i made got an appointment right away fixed the problem he had been having in half hr that […]
Elizabeth W.
I LOVE THIS PLACE!!!! It’s the best to me by far, i recommend everyone to go by and see for yourself!!!! Very kind and highly attentive to any concern dealing with your dental problems and no […]
Tytee M.
Thank you Mr. Ward, Ms. B and Dr. Patel for giving me my smile back. Seeing my children’s faces light up was priceless.
Yvette P.
Best experience I’ve had at a dentist. I’ve always been afraid of dentist visits. I was very nervous to have 3 wisdom teeth pulled but my dentist, Dr. Duan, was very nice and supportive. She made […]
Brian U.
They make you feel like family…very professional
Caryn B.
I had not been to dentist in eight years because of bad experience somewhere else. I finally bit the bullet and made an appointment at gentle dental in Shelby. I feared that it had been so long I […]
Joshua B.
The dental assistant, Hygienist, and Dentist were are very gentle and kind in their work, and explained everything thoroughly to my 7-year-old daughter before and during the procedure. I felt very […]
Tasneem P.
Everyone was very courteous and competent. Short wait time to be seen. I was scared about my procedure and the Dr. was kind and fit me in so i could get it over with.
Linda R.
They are very nice and concern and explain everything to me in details. When the front girls messed up one of the women back there got me back there. Fast and apologize to me. I would go back and […]
Julie M.
This is the best and the funniest ever. My teeth feels wonderful and I am now 10 times more confident to smile in every picture I take. I would give 10 stars if I could because I don’t know what I […]
Douglas A.
Great atmosphere, the staff and dentists were extremely nice and helpful….They are really funny too ….I have my reservation about going to the dentist, but not anymore!!! They are the epitome of […]
MRS E.
Rozelle and Dr. Zhang are awesome!!! Great place to visit!! Highly recommend coming here!! They have you in and out with great service!
Faith H.
Awesome staff…from the doctors to the hygienists to the assistants to the front desk! They’re flexible, kind, and make you feel comfortable while providing great service. I bring my baby with me […]
Erin E.
Overall great staff, dentists, and experience
Nicole C.
Such an amazing staff all around. Kathy, Dr. Ascano and Dr. Duan are all so knowledgeable and kind. They made me feel so comfortable even though I was a pain to them and have a crazy fear of the […]
Allissa B.
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