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Use Your Dental Insurance in DuPont

Male patient and hygienistWhen you come to Dupont Family Dentistry, you will receive more than outstanding dental care. You will also be treated to friendly and attentive customer service. For our team, that means accepting dental insurance, including Aetna, Delta Dental and Blue Cross Blue Shield. As in-network providers with these dental benefits plans, we are able to offer all preventive and some restorative dentistry services to ensure that your oral healthcare comes at a reduced cost.

What’s the Difference Between an In-Network and an Out-of-Network Dentist?

Close up of male dental patientWhen you see your Blue Cross Blue Shield, Aetna or Delta Dental provider in Dupont, you will likely be able to save money. The reason for this savings is because the dentist has agreed to accept a pre-set fee for covered services.

These fees are determined by the insurance companies and are like contracts. We are not permitted to charge more for the covered service you need. Therefore, once you have satisfied the deductible required for your plan and you have paid the co-insurance fee (usually just called a co-pay) that is all you owe us.

If we are not in-network with your insurance, then you may still want to see one of the dentists at Dupont Family Dentistry. Our fees are competitively set, which may still make your out-of-network coverage affordable. The website for your benefits provider should enumerate the difference between in-network and out-of-network expenses. Of course, you are welcome to call our office staff to help you know beforehand what your out-of-pocket cost will be for any given procedure.

Dental Insurance Terminology

Smiling woman with people in backgroundTo help you get the most out of your dental insurance benefits, you need to understand the details of your plan. For that, a passable understanding of insurance terms is necessary. Here are some of the more important ones.

  • Deductible. Much like your car or homeowner’s insurance, dental insurance carries a deductible. This is the dollar amount you need to pay for dental care before your benefits begin to cover the cost of treatment.
  • Maximum. Some dental insurance plans come with a maximum and some do not. If yours has one, then this refers to the top dollar amount your plan will pay for your family’s dental care within a specified time period—usually January 1st through December 31st. If you or a family member needs to have several different covered procedures, then we can work with you to schedule your appointments over two years so you do not exceed your maximum.
  • Coinsurance. This is the amount you pay for a covered procedure after you meet the deductible on your plan. The co-pay required depends on the type of dental service that is provided.

If you have a question about your dental insurance benefits, please call Dupont Family Dentistry. Our practice offers a comprehensive menu of dental services, including preventive care that your insurance likely covers.