Dental Insurance – Plano
Trusted In-Network Dentist
The health and beauty of your smile rely on your home oral hygiene habits and the care you receive from your trusted in-network dentist in Plano. To maintain your dental care, you need the services to be affordable. To reduce your out-of-pocket costs, it is best to choose a dentist who accepts your dental insurance in Plano, TX. At Legacy Trails Dental of Plano, we are proud to be in-network with all PPO plans to provide you with the affordable, high-quality care that you need.
How Dental Insurance Works
Most policies cover preventive care like cleanings, checkups, and X-rays in full or for little to no out-of-pocket expense (80-100%). By using your coverage to visit your dentist twice a year, you will reduce your risk of tooth decay and gum disease. This not only keeps your smile healthy but also lowers your long-term cost of care.
In addition to preventive services, you are also given a yearly allowance to rehabilitate your dental health. After paying your deductible, your insurance will cover as much as 80% of basic restorative treatments, like dental fillings, root canals, and tooth extractions, and around 50% of major restorative treatments, like dentures, dental crowns, and more. Depending on your coverage, they may even pay for a portion of specialty treatments, like orthodontics.
We understand your coverage may be a bit confusing. To help you maximize your insurance options, we will work on your behalf to file the necessary claims and paperwork for proper reimbursement. We will help you understand your benefits and which treatments are covered so you are not caught off-guard by an unexpected bill.
What is the Difference Between Dental and Medical Insurance?
Dental insurance is a little bit different than medical coverage. Your dental plan is designed to reduce your long-term cost of care through a focus on prevention. By paying your monthly premiums, you can see your Plano dentist twice a year for little to no out-of-pocket expense. In addition, you are given an allowance to use should you need restorative treatment to keep your teeth and gums healthy.
Medical insurance on the other hand focuses more on assisting patients after a serious injury or illness has occurred. This is why you will see greater savings with hospitalizations, laboratory imaging, and similar services.
In-Network vs. Out-of-Network
You will find that when reviewing your dental insurance plan, there is a column for in-network and one for out-of-network. The percentage of coverage is likely to be different and here’s why:
In-Network Coverage
To make the most of your dental insurance, it is best to choose a dentist who is in-network with your insurance company. This means that they have pre-negotiated rates with your insurance to provide the services you need for a set rate.
At Legacy Trails Dental of Plano, we are proud to be in-network with:
- Blue Cross Blue Shield
- Delta Dental
- Cigna
- Aetna
- MetLife
- United Healthcare
Out of Network
We also work with patients who are not in-network with their insurance. By choosing a dentist who is out-of-network, you will have to pay the difference between your insurance’s allowable amount and our service fees.