Dental Insurance – Braintree, MA
Maximizing Your Benefits When Visiting Us
Pinnacle Dental is pleased to welcome your dental insurance plan and will help identify ways you can save on all your oral healthcare needs. Investing in a quality insurance plan can lower your out-of-pocket expenses throughout the year so that you spend less each time you visit our office. You can trust that our team will be here to answer all your questions and maximize your available benefits.
How Dental Insurance Works
Enrolling in a dental insurance plan means that you agree to pay a monthly premium for access to preventive and restorative coverage. This includes dental checkups and cleanings, dental fillings, dental crowns, root canals, tooth extractions, and more.
The amount of coverage you can expect will vary depending on the type of plan you have and the company you use; however, most follow the same 100-80-50 format, which includes:
- 100% preventive services
- 80% basic restorative services
- 50% major restorative services
It is unlikely that any dental insurance plan will cover cosmetic dentistry, as these services are considered “elective” and not “medically necessary.”
What is the Difference Between Dental and Medical Insurance?
Medical insurance is more commonly used when an accident, health problem, or illness occurs. It is considered a reactionary form of assistance. You’ll be unlikely to receive substantial savings when seeing your doctor for a general wellness visit; instead, you will save more if you require hospitalization.
Dental insurance is different. It encourages patients to be proactive about oral healthcare, which is why you’ll receive the greatest savings when maintaining your six-month dental checkups and cleanings. You can still save, though, on restorative services, as they are designed to improve your oral and overall health.
In-Network vs. Out-of-Network
“In-network” simply means that a dentist’s office has entered into a contractual agreement with a dental insurance company to provide various services at a much lower rate. A professional who is considered “out-of-network” has no established agreement and can charge their desired fees, many of which must be paid in full at the time of service.
In-Network Coverage
Pinnacle Dental is pleased to be in-network with the following insurance plans:
- BlueCross BlueShield
- Cigna
- Delta Dental
Our team will review your plan and help you maximize your benefits so that you receive the greatest amount of coverage. We’ll also file all the necessary paperwork and claims forms.
Out-of-Network
If we are out-of-network with your dental insurance plan, we will still provide the highest level of service and care, but you will likely pay more for any services you receive in our Braintree office. When preparing your claim, though, we will make sure everything is completed correctly so that you have the best chance to receive the maximum reimbursement from your insurance company.
