Dental Insurance – Morgan Hill, CA
Making Your Smile’s Care Affordable
Dental insurance can make it much easier to fit your oral healthcare costs into your budget. However, because dental insurance plans can be difficult to understand, many dentistry patients end up not utilizing their benefits to the fullest. At Timeless Smiles Morgan Hill, we don’t want top-quality dental care to be out of reach, so we’re happy to maximize your dental insurance benefits for you. We’ve also provided this handy guide on using your dental insurance coverage at our dental office.
Understanding How Dental Insurance Works
Unlike medical insurance, dental insurance is primarily focused on helping you afford preventive care so that you can avoid expensive procedures down the road. Therefore, most dental plans fully cover routine services such as checkups and cleanings. Of course, your plan will most likely provide some coverage if you need restorative or emergency treatment, but only after you’ve paid a certain amount of money out of pocket (called your deductible).
What Your Dental Insurance Plan Covers
Each dental insurance plan can vary significantly in the specifics, but most of them follow what is known as the 100-80-50 rule. Regular exams and other preventive services are usually covered at 100%. Basic restorative treatments like fillings tend to be covered at 80%, and more advanced procedures like tooth extractions and crowns typically qualify for 50% coverage. Cosmetic dental services rarely are covered even though they may greatly benefit the patient in aesthetic and function. The details of your plan may definitely differ between carriers, so be sure to check with your insurance company and ask about our in-house membership program.
Our In-Network PPO Dental Insurance Providers
By being in-network with a wide variety of dental insurance companies, we have negotiated to provide services at specific rates for patients with those plans. As a result, you can maximize your savings by choosing Timeless Smiles Morgan Hill as your dental home if you have one of the plans listed below. However, we will also file claims for patients with out-of-network plans; often, you’ll still be able to save quite a bit.
- Delta Dental
- Aetna
- Ameritas
- Anthem Blue Cross
- Blue Cross Blue Shield
- Careington
- Cigna
- GEHA
- Guardian
- Humana
- Metlife
- United Concordia
- Sun Life Financial
- And many more!
Don’t see your plan? We likely take it! Reach out to our team today!