Dental Insurance – Bowie, Maryland
Get a Healthy Smile for Reduced Rates
The secret to a healthy smile relies on more than just your toothbrush and dental floss. Although they are important, your teeth and gums also depend on the care you receive from your dentist in Bowie. If you are like one-third of adults, you may delay scheduling your visits because you do not want to spend unnecessary money or deal with a large bill. But, you have nothing to worry about because you have dental insurance. Your policy allows you to visit our dental office regularly with minimal out-of-pocket expense. We will help you keep your teeth and gums healthy to minimize your long-term dental expenses.
Difference Between Medical and Dental Insurance
You may believe your dental insurance works similarly to your medical plan, but there are clear differences between the two. Medical insurance is there for you after an illness or injury has already occurred. Dental insurance, on the other hand, is designed with prevention in mind to minimize your overall dental expenses. According to vast research, every $1 you spend on prevention can save you $8 to $50 on restorative and emergency dental costs.
Your policy also features an annual maximum. It’s important to know that any unused benefits from this amount do not carry over into the new year, and you will not be reimbursed for your premiums or deductible if you do not use your coverage. With less than 3% of Americans meeting or exceeding their annual allowance, we will help you make the most of your policy so your benefits are not wasted.
How Dental Insurance Works
Every month you pay premiums for your specific policy. This gives you access to the preventive care you need for only a small co-payment. You are also given a yearly allowance after paying your annual deductible to reduce the cost of treatments necessary to restore your oral health. Depending on your specific policy, it may include:
- 100% preventive coverage.
- 80% minor restorative coverage.
- 50% major restorative coverage.
In-Network
We are pleased to be in network with the below listed insurance company:
- Aetna
- BlueCross BlueShield
- Guardian
- United Health Care
- GEHA
- United Concordia
Dental Insurance FAQs
You probably still have some questions about dental insurance — and we are here to provide the answers! Below, you will find out more about insurance networks, what services are covered, what you can do if you do not have dental insurance, and more. If you do not see the information you were hoping to find, give us a call so we can personally address your questions.
What Services Does My Dental Insurance Cover?
Most policies have a heavy emphasis on preventive care, so it is likely that your plan provides robust coverage for cleanings, checkups, and routine X-Rays. Restorative services like fillings, crowns, and root canal therapy are also usually covered. Coverage for things like dental implants and orthodontics vary widely from policy to policy. Cosmetic services and sedation are not usually covered by insurance.
What If I Don’t Have Insurance?
We encourage patients without insurance to sign up for the Ambiance Dental Savings Plan. Your yearly membership payment covers two basic cleanings and exams and routine annual X-rays. It also provides you with a 15 percent discount off of all other services, including procedures that are not typically covered by insurance.
Can I Get Financing to Cover My Coinsurance?
Your coinsurance is the percentage of your care that you are responsible for paying after you meet your deductible. If you require a major treatment, your coinsurance might present a significant cost — but you do not need to worry about paying for its entirety upfront. Most patients qualify for low or no-interest financing through CareCredit. CareCredit can also be used to pay for services that dental insurance does not cover or if you have exceeded your insurance plan’s annual maximum.
I’m Shopping for Dental Insurance. Do You Have Any Advice?
We recommend that you purchase a plan through one of our in-network insurance providers. These companies offer a range of different policies that might fit your family’s needs. For example, they may have different annual maximums and provide coverage for different services. When you are deciding which plan to purchase, you should consider your current oral health and your budget. If you are receiving dental insurance through your employer, the HR or benefits supervisor at your workplace can help you to compare your options.
Schedule an Appointment Today!
We understand dental coverage can be confusing. We do not want anything to stand in your way of a healthy smile. If you have any questions about your policy or want to schedule an appointment, contact our dental office today. We look forward to helping you achieve a healthy, beautiful smile.