General Information About Dental Insurance
At Orban Family Dental, we accept coverage from a number of different dental insurance carriers. We do this to ensure that you and your family are able to receive outstanding dental care at a price you can afford. If you would like to know whether or not we work with you plan, please call our office.
In-Network vs. Out-of-Network
You’ve probably heard the terms in-network and out-of-network. The main difference between the two is the amount of coverage you receive for any one type of procedure. If Dr. Orban is an in-network provider on your dental insurance plan, then that means we have negotiated a pre-set fee for covered procedures. If we are out-of-network, then there is not a pre-set fee. This means there may be a difference between what we charge for a particular procedure and what your dental insurance will pay. In this case, you will be responsible for the difference.
For your convenience, Orban Family Dental is in-network with several dental insurance plans.
FAQs about Dental Insurance:
Q: What is a premium?
A: A premium is the amount of money you or your employer must pay to the insurance company for your dental insurance plan.
Q: What is a deductible?
A: The deductible is the amount of expenses that you must pay out-of-pocket before your insurance plan will cover any dental treatment.
Q: What is the insurance copay?
A: The copayment—or copay for short—is the set amount you pay for a covered procedure. The copay covers your portion of the cost of your visit to the dentist.
Q: What procedures are covered?
A: We encourage you to look at your dental insurance plan’s benefits summary. This is the best way to find what is covered and what is not. Your plan will also explain the amount of coverage you’ll receive for a particular procedure when you’re seeing an in-network provider vs. an out-of-network dentist.
Generally speaking, most dental insurance plans fully cover preventive dentistry. Insurance companies know that the best way to treat a dental problem is to prevent it from ever happening in the first place. That’s why dental cleanings, exams and annual digital x-rays are typically covered services.
Q: What about restorative and cosmetic dentistry services? Are those covered?
A: That all depends. Some dental insurance plans do cover a portion of restorative services such tooth-colored fillings, periodontal therapy, dental implants and dentures. There may even be some coverage for cosmetic dentistry. Read your plan to find out more about your coverage, or give us a call. We’ll be glad to discuss your insurance coverage with Orban Family Dental.