Dental Insurance West Palm Beach
Important Information About Dental Insurance
At Palm Beach Dental Excellence, our dental treatment philosophy is based on treating our patients with the highest level of quality and professional knowledge, regardless of their dental insurance coverage.
We take the time to treat each patient one-on-one. When you have an appointment with us, you will be the only patient we are attending to. You will never have to wait past your appointment time or have your doctor bouncing from room to room. You will have our undivided attention.
How Dental Insurance Works
Dental insurance is a private arrangement between you and your insurance company. This means there is no contract between our dental office in West Palm Beach and your insurer. Since we are considered out-of-network, you will be required to pay the full amount for the services you receive; however, our team will be happy to help file all necessary claims forms to ensure you receive the maximum reimbursement.
Most dental insurance companies will only agree to cover all or a portion of the cost associated with preventive and restorative care. These may include dental checkups and cleanings, dental fillings, dentures, tooth extractions, root canal treatment, dental crowns, and more.
Cosmetic dentistry is generally not covered unless there is an exception, such as the need for a metal-free restoration to repair a damaged or severely decayed tooth.
What is the Difference Between Dental and Medical Insurance?
Medical insurance focuses on reactive care, offering higher savings on treatments and procedures that address injuries and illnesses after they occur. You will discover when looking at your medical plan that general wellness exams do not receive much coverage because it’s a form of preventive care.
Dental insurance is the opposite. These policies are designed to encourage patients to seek oral healthcare early on so that they do not suffer the effects of dental decay and gum disease. You’ll find that most plans offer the greatest amount of savings on preventive services, like dental checkups and cleanings. However, minor and major restorative care also receive partial coverage should these services be required.
The Benefits of Seeing an Out-of-Network Dentist
Although many dentists and insurance companies urge patients to see in-network professionals, there are many unique benefits to choosing someone out-of-network, such as:
- Receiving specialized care – If you need specialized care for any reason, choosing someone out-of-network will likely ensure you get the highest level of quality care.
- Established relationship – If the dentist you’ve entrusted with your smile for years is no longer in-network with your dental insurance, continuing to see them even though they’re out-of-network will allow you to maintain the established relationship and avoid having to switch to someone new.
- Your Choice – You are no longer bound by your dental insurance as to who you can see. Instead, you can choose someone you are more comfortable with.
- Quality of Care – Some dentists only treat based on the stipulations found in various dental insurance plans; however, those who are out-of-network can treat your oral healthcare issue using their expertise and recommendations. This ensures you receive the appropriate treatment, not just what your dental insurance will cover.