Dental Insurance – Newington, CT
Save Money on Top-Quality Care
Whether you have dental insurance through your employer or you purchased it on your own, you can view your policy as an important asset. It can allow you to save money on top-quality care, including services like cleanings, exams, restorative treatments, and more. But how can you get the most out of your coverage? Here at Family Dental Practice of Newington, our team is ready and eager to assist you. We are in-network with many popular plans, and we are ready to put our expertise to work for you!
How Dental Insurance Works
It is important to acknowledge that every dental insurance plan is unique. You need to look at the details of your specific policy to learn exactly how it works and what you can expect from it.
Many people choose to get a PPO dental plan, which allows them to visit virtually any dental practice. It is common for PPO plans to provide the following levels of coverage:
- Preventive care: 100% covered.
- Minor services: 80% covered.
- Major services: 50% covered.
- Cosmetic services: Not covered.
- Orthodontia: 50% covered (usually only on premium plans).
Your plan may have other stipulations as well, such as a deductible, a waiting period, and an annual benefits limit.
What Is the Difference Between Dental & Medical Insurance?
Although dental and medical insurance are both designed to support your overall wellness, they have different focuses. Dental insurance places a heavy emphasis on preventive care, which is why it tends to provide robust coverage for cleanings, exams, and other routine services. In contrast, medical insurance does not usually cover preventive dental services. However, it might cover certain major procedures, such as some types of oral surgery. In some cases, there is a bit of crossover between medical and dental coverage.
In-Network vs. Out-of-Network
Whether we are in your plan’s network or outside of it, you may be able to use your benefits in our practice.
In-Network Coverage
If we are in-network with your plan, it means we have a contract with your insurance company that controls prices and sets expectations for the type of care we provide. Usually, patients tend to pay the lowest out-of-pocket fees at in-network practices.
Here at Family Dental Practice of Newington, we are proud to be in-network with:
- Delta Dental of New Jersey
- MetLife
- Anthem BlueCross BlueShield
- Guardian
- Cigna
- Aetna
- Assurant
- Sun Life
- United Concordia
- And more! (We accept more than 200 different dental plans.)
Out-of-Network
We are out-of-network with a limited number of insurance plans. If that is true in your case, we still invite you to call us to find out whether you can use your policy in our practice. If you have a PPO plan, it is very likely that you can enjoy many of the same benefits with us as you would with an in-network practice. Remember, the most important thing is to visit a dental team whom you truly trust to take good care of your smile.