Dental Insurance – Chardon, OH
High-Quality Dentistry That is Accessible & Affordable
As you consider your oral health, there are many factors that you’ll likely take into account when choosing a dental practice in the area. Apart from the services offered and available operating hours, one of the most important components is cost. We at Chardon Smile Center understand, which is why Dr. Phillips and Dr. Titus are pleased to welcome your dental insurance in Chardon, and our team will maximize your available benefits to keep any incurring expenses as low as possible. No matter what type of dental coverage you have, you can better understand how to get the most out of your plan by reviewing the details below or calling our office for help.
How Dental Insurance Works
Unlike other forms of insurance that do not offer considerable savings until something serious happens, dental insurance is designed to help patients take better care of their oral health before problems occur. When choosing a plan, you’ll find that preventive and restorative services are covered all or in part by your insurance company. While the percentages vary between companies and plans, a normal breakdown of benefits is 100-80-50.
This means that 100% of preventive services are likely to be covered, 80% of minor restorative services are covered, and 50% of major restorative services are covered by your insurance. You must, of course, meet your annual deductible first, as this will signal your insurer to begin paying their portion of the total cost related to your treatment.
What is the Difference Between Dental and Medical Insurance?
Medical insurance is used when a problem occurs. Although it may cover a small portion of wellness visits, you will receive the greatest savings when faced with a more serious health issue, such as surgery, hospitalization, or needing to see a specialist.
Dental insurance awards patients who are proactive about their oral health. When choosing to see your dentist for a regular checkup and cleaning, you will pay little to nothing out of pocket because of the 80-100% coverage most dental insurance plans agree to cover.
In-Network vs. Out-of-Network
In-network and out-of-network may be unfamiliar terms, which is why we’re here to provide a clearer explanation of what these two options mean for you and your wallet.
In-Network Coverage
When Chardon Smile Centers establishes a contractual agreement with a dental insurance company, they become part of the network of dentists that patients can choose from to receive greater savings. The fees and terms are established beforehand, ensuring individuals pay the lowest possible price when receiving preventive or restorative care.
Our dental practice is pleased to be in-network with:
- Delta Dental Premier
- Aetna PPO
- Liberty
Out of Network
You are under no obligation to choose an in-network dentist; however, if you want to save more money each time you have an appointment, you can’t go wrong in choosing a dental practice like Chardon Smile Center. If we are not in-network with your dental insurance plan, you will still receive the same high-quality, personalized care as all of our other patients, but you will likely need to pay a higher fee for the same services.