At Dental Excellence, Dr. Brett Noorda and the rest of our team welcome patients with dental insurance. We’re in network with several major plans; including Aetna, Cigna, United Concordia , Delta Dental Premier, Guardian, and United Healthcare Insurance. Regardless of whether our practice is in-network with your policy or not, we are more than happy to work with you. We can help you understand and maximize your benefits. At Dental Excellence, we accept every PPO that allows you to choose your dentist. We are contracted with insurance companies that we believe treat their customers fairly by allowing us to provide the best, quality care in town. A good thing to know is there is often no difference in cost for in-network and out-of-network dentists.
How Dental Insurance Works
Dental insurance works by making preventive care more affordable to help you avoid the need for more costly, complex treatments later on. You pay a premium each month or year in exchange for your benefits. Typically, a higher premium is associated with a better plan. Most dental insurance plans work on a calendar year, meaning any benefits that you have not used up by the end of December expire and you begin again on January 1. You may also have a deductible associated with your dental insurance plan -- that’s the amount of money you have to pay out-of-pocket before your benefits will kick in. Preventive care is usually completely covered and thus falls outside of the deductible.
Please feel free to get in touch with the team at Dental Excellence if you have any doubts about how dental insurance works. Our team of experts will work to help you understand precisely what you are eligible for under your plan.
What Your Dental Insurance Covers
Because routine preventive care is crucial for continued oral health and wellbeing, most dental insurance plans completely cover two checkups and cleanings annually, usually with a set of x-rays per year. Additional preventive treatments, like a topical fluoride treatment, may be covered, too. Younger children can benefit from dental sealants, which provide significant protection against tooth decay.
If you develop a problem like a cavity or gum disease, your dental insurance will likely cover a significant portion of the bill. Orthodontic treatment may be partially covered, too. Cosmetic treatments are rarely covered by dental insurance.
Making the Most Out of Dental Insurance
Too many adults let their dental insurance benefits slip away each year. How can you make the most out of your CIGNA or Delta Dental Premier dental insurance plan? First, learn what you are eligible for annually. Then make sure you schedule an appointment with Dr. Noorda before the calendar year is up. You probably won’t meet your deductible every year, but in the years that you do, it is important that you also reach your annual maximum -- or the amount up to which your insurance plan must pay.
Schedule an Appointment Today
Many families and friends in and around Henderson are covered by CIGNA or Delta Dental Premier. If you are looking for an in-network dentist who will make using your dental insurance benefits easy, look no further! Dr. Brett Noorda and our team are here to help you make the most out of your dental insurance plan. Please don’t hesitate to request an appointment today!