Dental insurance covers a portion of preventive, minor, and major dental care costs. People should understand the different options available before choosing a dental insurance plan. Dental insurance can help people effectively budget for the cost of maintaining a great smile.
We accept Delta Dental and work with many other insurance providers.
If you need dental work, dental insurance can help you pay less out-of-pocket costs. Desert Bloom Dentistry in Safford and the surrounding area can provide you with information about our accepted dental insurance plans. Call us at (928) 428-1617 to learn more about our policies and services.
Dental insurance gives people coverage to help pay for certain types of dental work. Having this coverage is the best way to prepare for any unexpected dental problems that might arise. Each month, people will pay a set dollar amount, called a premium, to pay for coverage. The monthly premium will depend on the insurance company, the location, and the chosen plan. Depending on the insurance plan, it can cover some or even all of the costs of certain dental treatments.
In many cases, the dentist's office will bill the insurance plan directly for the care provided, and the patient will only need to pay a copay for each visit or treatment. A dentist can not answer questions about a specific dental insurance plan or predict what level of coverage for a particular procedure will be. People should contact their employer's benefits department, dental insurance plan, or the third-party payer of a health plan for any questions about coverage.
Depending on the insurance plan, it can cover some or even all of the costs of certain dental treatments.
When selecting a dental insurance plan, people should consider several factors to find a plan that best suits their needs. The first step to finding the right dental plan involves evaluating needs. Young, single adults with good dental health and no family history of oral problems will have different dental insurance needs than a family with a parent who has a family history of gum disease. The likelihood of more frequent visits to the dentist and more extensive treatments indicates the need for a more comprehensive dental insurance policy. Making a generalized list of dental and oral health needs can serve as a good benchmark for evaluating policies and anticipating overall costs.
It is also important to understand the different types of dental insurance plans since each will have varying out-of-pocket costs, benefits, deductibles, and more. Typically dental plans are divided into Preferred Provider Organizations (PPO), Dental Health Maintenance Organization (DHMO), discount dental plans (DDP), and Managed Fee-for-Service Plans. Once people determine the available plans, they should also consider their budget and the covered procedures, waiting periods, and annual limits. Taking the time to evaluate dental needs, budget, and anticipated level of care can make choosing the right dental plan easier.
When selecting a dental insurance plan, people should consider several factors to find a plan that best suits their needs.
It is important to know what each type of dental insurance plan covers and does not cover. If an issue does arise, dental insurance will usually help cover a portion of the treatment cost, so people do not have to pay the full bill by themselves. Carefully review each potential insurance policy to budget for expected and possible emergency dental expenses.
Preventative dental care is usually 100% covered since it catches signs and symptoms of dental disease early and reduces the chance that a patient will need more complex treatment later. This will cover routine preventive and diagnostic care, such as cleanings and exams. Most plans have limits on coverage. Not all dental plans include coverage for orthodontic services, so people should carefully read the details of their plans. If unsure whether dental insurance covers preventative dental care or orthodontic services, people should call their provider to learn more about the plan details.
If unsure whether dental insurance covers preventative dental care or orthodontic services, people should call their provider to learn more about the plan details.
The Affordable Care Act (ACA) is a comprehensive healthcare reform intended to extend health insurance coverage to millions of uninsured Americans by legally requiring them to buy health insurance. It does not cover dental coverage for adults, but it does mandate that dental insurance is available to families with children. Adults do not have to buy coverage for themselves.
People can get dental coverage either as part of a health plan or by themselves through a separate, stand-alone dental plan. People interested in enrolling should create an account and apply for a plan during open enrollment. They can also browse plans on healthcare.gov to determine whether you qualify for a special enrollment period.
People can get dental coverage either as part of a health plan or by themselves through a separate, stand-alone dental plan.
Most dental insurance plans follow the 100-80-50 coverage structure. That means the plan covers preventative care at 100%, basic procedures at 80%, and major procedures at 50%. Sometimes, major procedures have a larger copayment. Some dental plans do not cover some procedures, so people must check with their insurance provider for more information.
Employer-sponsored health insurance is the primary source of coverage for people in the United States. People should carefully read the details of an employer's dental insurance plan to determine whether the care they require is covered and at what percentage. Call the insurance provider directly with any questions or concerns.
If your employer provides dental insurance, carefully read the details of your plan to determine if the care you require comes covered by the plan and at what percentage.
Like health insurance plans in the United States, dental insurance plans come with costs, such as deductibles and copays. A deductible is the minimum amount that a person must pay before the insurance policy pays for anything. The deductible will vary depending on the type of dental insurance. Once the patient pays the deductible, their insurance plan will pay for the remaining costs.
Patients may also have to pay a preset amount, called a co-pay, before receiving a service or treatment covered by their insurance provider. The co-pay is usually due to the dentist at the time of the service. People will have to pay it even after they reach their deductible.
Similar to health insurance plans in the United States, dental insurance plans come with costs.
A fixed payment made by the insured (patient) coupled with that of the insurance coverage.
Part of an insurance policy that indicates a specified amount of money that the insured must pay prior to the coverage amount.
Insurance benefits that cover all or part of dental expenses.
Healthcare services are intended to diagnose a certain disease, ailment, or condition.
Health care items that are covered under a health insurance plan.
The amount an insured pays monthly for health insurance according to their health plan.
The open enrollment period is the time of year when someone can enroll in a health insurance plan.
Health conditions that directly relate to the functionality or aesthetics of the mouth, teeth, gums, jaw, or throat.
Orthodontics is the specialty branch of dentistry that deals with preventing and correcting teeth and jaw irregularities.
Preventive dentistry is the dentistry that focuses on maintaining oral health in order to prevent the spread of plaque, the formation of tartar and infections in the mouth.
By visiting us as soon as possible, our team can help get you the professional treatment you need. Instead of waiting around and allowing the symptoms to get worse, we can provide you with treatment options.
If you have a chipped tooth, do not panic. Our team at Desert Bloom Dentistry can help restore a chipped tooth's function and appearance. Call us today at 928-428-1617 to learn more about our services or schedule an appointment.
Schedule Your AppointmentDental insurance helps cover the costs of preventive care and reduces out-of-pocket expenses for dental treatments. Regular preventive care detects problems early when they're easier and less expensive to treat. Insurance typically covers cleanings and exams, and significantly reduces costs for fillings, root canals, and crowns.
A PPO dental plan offers flexibility in choosing dentists. You can visit any dentist, but you'll pay less when you choose one within the plan's network. PPO plans typically have higher premiums but lower deductibles and greater coverage. They don't require you to choose a primary dentist or get referrals for specialists.
A Discount Dental Plan is not insurance but a membership program where you pay an annual fee for access to discounted rates on dental services. You receive a card for reduced fees at participating dentists. There are no claims to file, no deductibles, and no annual maximums. DDPs are often more affordable than traditional insurance and good for those without employer-sponsored plans.
Most people can benefit from dental insurance, especially families with children, adults needing regular dental care, seniors facing more oral health issues, and anyone wanting to maintain good dental health while managing costs. Even with excellent oral health, unexpected issues can arise, and insurance helps protect against high costs. Preventive care covered by insurance helps maintain oral health and prevents serious problems.
A Dental Health Maintenance Organization works similarly to a medical HMO. You choose a primary care dentist from the plan's network and receive most services through that dentist. For specialists, your primary dentist will refer you to one in the network. DHMO plans typically have lower premiums and no deductibles, but offer less flexibility in choosing providers and may have more limitations on covered services.
Monday - Thursday: 8:00 AM - 5:00 PM
Selected Fridays: 8:00 AM - 1:00 PM
Saturday - Sunday: Closed
Arranging your visit is as simple as a phone call or providing us with your contact information. We'll promptly get in touch to confirm your appointment. We're eagerly anticipating the opportunity to meet you.
