Dental Insurance – Elmhurst, IL
The Basics of Dental Insurance
While some people are anxious about the dental treatment itself, others tend to be more stressed out about the end of the visit where they have to pay for their care. Our team at Malecki Family Dentistry can help ease some of this anxiety by making sure that you understand your insurance coverage so that you can be confident that you’re getting the best coverage possible. You can also call your provider directly to learn more about the benefits offered by your specific plan.
Understanding How Dental Insurance Works
Dental insurance plans tend to cover a majority – or in some cases, the entirety – of the cost of routine checkups, cleanings, and other preventive services. That’s because they’re focused on stopping severe oral problems from developing in the first place. Every plan features an annual maximum, which is a cap on the amount your carrier will pay for dental care each year. You also have to consider deductibles, which you need to pay out of pocket before receiving any coverage.
What Your Dental Insurance Plan Covers
Most plans are set up along the following lines:
- Preventive care receives the most coverage, often as much as 100%.
- Basic treatments like cavity fillings receive around 80% coverage.
- For more invasive procedures, coverage is usually around 50%.
- Any elective procedure such as teeth whitening most likely will not fall under the scope of your dental plan.
Once we have your policy information, we can discuss your plan with you and confirm the types of coverage available to you for particular services.
We Offer In-Network Savings & Welcome Out-of-Network Providers
To be in-network with a given insurance carrier, we have agreed to set our rates at certain levels so that our patients can enjoy the highest amount of savings possible. You can call our office to see if we are in-network with your plan. We can also still file paperwork for insurance providers that are out-of-network, although you will still want to call ahead of time to make sure that we accept your current carrier.