Dental insurance is one of the best things you could invest in because you’ll barely have to pay anything for your annual dental check-up. But to get the most out of it, it’s also important to understand your insurance and how to maximize your advantages.

If you want to understand dental insurance, let’s look at different types of coverage options offered by our Edina dentists and how to maximize your benefits.

Types of Dental Insurance Plans

There are two types of dental insurance plans:

  • Preferred Provider Organization (PPO) – A PPO plan allows you to visit any dentist you choose.
  • Health Maintenance Organization (HMO) – An HMO plan enables you to choose a dentist from a network of providers.

You can find out the types of insurance dentists near Edina, MN, cover by learning what kind of plan you have.

Who Offers PPO Dental Insurance?

The most popular PPO dental insurance companies include the following:

  • Aetna
  • Ameritas
  • Anthem/UniCare
  • BCBS
  • Cigna
  • Delta Dental (Premier/PO/PO/DeltaCare)
  • Guardian
  • Humana
  • MetLife (PDP + Patient Group)
  • Principal
  • SunLife (previously DHA/Assurant)
  • United Concordia
  • United Healthcare

The benefits, premiums, and deductibles offered by each provider are different, so it’s important to carefully consider each plan’s specifics before deciding which is best for you.

Advantages of PPO Plans

PPO plans frequently cover more treatments than typical insurance plans, such as orthodontic and cosmetic dentistry.

However, you might need to cover some of the cost out of your pocket if there are limitations on the amount of coverage offered for a particular procedure.

Plus, several PPO plans require a primary care dentist to monitor your care and refer you to specialists if necessary.

Which Dental Services Are Covered by Insurance?

Once you choose your plan, you will know its specifications and the covered services. But dental insurance usually covers routine dental services, such as:

  • Cleanings
  • X-rays
  • Fillings

However, your insurance may not cover cosmetic dentistry procedures like teeth whitening or dental implants. So, before making any appointments, check your insurance, as some plans also impose waiting periods for specific treatments.

Magnolia Dental Care: Your Partner in Dental Health

Magnolia Dental Care is what you’re looking for if you’re looking for a dentist that accepts all types of insurance. Our Edina dentists aim to provide you the care you require without breaking the bank.

We also provide flexible payment plans and accept credit cards. And if you’re confused about your coverage, our team will work with you to develop a treatment plan that satisfies your goals and budget while helping you understand your insurance coverage.

The Takeaway

Keeping good oral health requires being aware of your dental insurance coverage. You can guarantee you get the treatment you need without exceeding your budget by working with an Edina dentist who accepts your insurance and schedules frequent check-ups and cleanings.

Our staff at Magnolia Dental Care is dedicated to guiding our patients through their insurance coverage and maximizing their benefits. Make an appointment to learn more about our services.

FAQ

Are there any publicly-funded and private dental insurance providers?

Private insurance firms provide dental coverage through PPOs in addition to publicly funded programs like Medicare/Medicaid and MassHealth (PPOs).

With these plans, you can pick a dentist from a network of those who have agreed to provide their services at a reduced cost.

What is the importance of frequent checkups and cleanings?

Making frequent appointments for cleanings and checkups can help you get the most out of your dental insurance benefits. It can also enable you to identify any issues before they worsen, leading to more expensive treatments.

Plus, many insurance policies offer 100% coverage for preventative care, so you won’t have to spend anything out of pocket for your appointments.

Why should you always discuss your options with your dentist?

Discussing your options with your dentist is crucial if you need more extensive dental work. They can help you understand the price of the treatment and the percentage of it that your insurance might cover.

Your dentist might also provide financing choices or less expensive alternatives to the procedure.