Dental Insurance – Brecksville, OH
Helping You Get the Most Out of Your Benefits
Many patients dread having to deal with their dental insurance because of the variance in coverage from plan-to-plan that makes it hard to nail down what your benefits will and won’t cover. The complicated jargon can also be a huge hurdle for many patients who are looking to learn more about their plan’s coverage. If you need help learning more about either of these, our team at Brecksville Dental Excellence is here for you. Below, we’ve outlined some basics about dental insurance that will help you better understand your benefits.
Understanding How Dental Insurance Works
Dental insurance focuses on preventing problems instead of treating them after they develop. That’s why most plans cover 100 percent of the cost of basic preventive visits, like checkups and cleanings. In order to understand all aspects of your plan, it’s important to know what these terms mean:
- Maximum: The maximum is a capped-off amount of money that your dental insurance will cover for treatment over the course of a calendar year.
- Premium: The premium is a monthly or annual amount of money that you pay to receive benefits.
- Deductible: Your deductible is a set amount of money that your dental insurance company requires you to pay out-of-pocket before your benefits kick in.
What Your Dental Insurance Plan Covers
As mentioned above, dental insurance typically covers more of the cost of less severe treatments, which is why they recommend routine preventive appointments. They usually determine coverage based on a 100-80-50 coverage structure. What this means is that they cover 100 percent of the cost of preventive care, like checkups and cleanings, 80 percent of the cost of basic treatments, including cavity fillings, and 50 percent of more serious procedures, like tooth extractions. It’s important to keep in mind that every plan is different, so to learn whether a treatment will be covered by your plan’s benefits, you’ll need to contact your insurance provider directly to ask.
Our In-Network PPO Dental Insurance Providers
At Brecksville Dental Excellence, we’re proud to be an in-network provider with several major PPO dental insurance plans, which we’ve listed below. This means that we’ve negotiated discounted rates and fees with these companies in order to pass on savings to you each time you visit us for care.
- Blue Cross Blue Shield
- Delta Dental
- Connection Dental
- Lincoln Financial
- Medical Mutual
- The Afscme Care Plan
- The Principal
- United Concordia
- United Healthcare
- And many more!
Don’t see your plan? We likely take it! Reach out to our team today!