Delta Dental Insurance
At Safari Dental & Orthodontics, we provide patients affordable preventive, restorative, and cosmetic dentistry services. We know many of the patients we treat invest in dental insurance coverage, and by processing and filing their claims to maximize benefits, we ensure dentistry services fit their budgets. We are also in-network providers with many of the major PPO insurance plans, including Delta Dental. If you’re one of our Delta Dental patients, we would be happy to help you with any questions you have about your insurance policy. We work with Delta Dental plans on a regular basis, so please don’t hesitate to call our Bryan dental office to find out more or schedule a consultation appointment with our team.
Understanding Your Delta Dental Policy
Every patient has a unique Delta Dental policy. Your benefit plan is a specific representation of an agreement between you, your employer, and the insurer. However, most plans share some basic details. Particularly, dental insurance providers offer patients coverage for a percentage of the cost of necessary dental care in return for the payment of a monthly premium. The percentage of treatment covered by your insurer is based on the fees for service they consider fair and average for specific services. The insurer provides the outlined percentage of their set treatment costs up to an annual maximum. Most Delta Dental plans have an annual maximum coverage between $1000 and $1500, and they cover the following percentages of treatment costs:
- Prevention – 80 to 100% coverage
- Restoration – 50 to 80% coverage
- Orthodontics – 50 to 75% coverage when coverage is elected
- Other cosmetic treatments and more advanced services are not typically covered
Benefits of Visiting an In-Network Dentist
In-network dentists have agreed to charge the fees for services deemed fair by your insurance provider. That means you will only need to pay the out of pocket costs for your treatment. Dental care from out of network providers may have higher fees for service, but you will need to pay the difference between the out of network treatment costs and those fees set by your insurer. In most cases, the difference in price is negligible, but by visiting an in-network provider, you avoid worrying about any additional costs.
Maximize Insurance Coverage with Six Month Checkups
Advanced dental care services receive lower percentages of coverage from Delta Dental plans, so keeping your smile healthy may be the best way to maximize dental benefits. Regular six month dental checkups in our office typically receive between 80% and 100% benefit coverage from Delta Dental, which means you will have very low out of pocket costs for these services. Additionally, these appointments are the best way to avoid the more severe oral health concerns that require advanced treatments and receive lower dental insurance coverage.